Certificates of Deposit (CDs)
Looking to earn good interest on your savings? Ok with the funds being held in a protected account (no withdrawals allowed until the account’s maturity date)? That’s a CD!
- Minimum deposit of just $500
- Add-On CD option allows you to continue to deposit to the CD during its term
- Youth CDs available with a minimum deposit of just $100 and an add-on option
- Interest compounds quarterly
- (Pssst… Don’t worry, your funds are always yours. You can still redeem your CD early in an emergency.1)
Add-On CDs
Looking to save for a down payment on a house? Your kids’ college education? The vacation of a lifetime? Add-On CDs (with an option to continue making deposits to your CD during its term) make great goal savings accounts.
- Decide when you want to hit your goal (your CD term) and how much you want to save.
- Use our online calculators or work with a Member Service Representative to decide how much you need to be saving each month to reach your goal in time.
- Set up automatic monthly transfers from your checking account to your #LifeGoals account via online banking or our mobile app so that you stay on track!
Not Your Grandma’s CD
While CDs may seem old fashioned, they’re a great option for safe, longer-term savings at a better interest rate than regular savings accounts. They also protect your funds so you’re less likely to get off track with your savings goals.
Pro Tip:
Rather than putting all your funds in one CD, choose multiple CDs and “ladder” their maturity dates. This is a great strategy for the option of accessing funds every 6 months with the higher rates of longer-term CDs.
Start by opening a 6-month CD and a 12-month CD. When the 6-month CD matures, move it to a 12-month. Now your two 12-month CDs are staggered to mature at 6 month intervals.
Regular, IRA, and Youth CD Rates
As high as 2.15% APY1
More to Explore
1 APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings. CDs are subject to early redemption penalties: 6-month CD, loss of 30 days interest; 1-year CD, loss of 90 days interest; 2-5-year CD, loss of 180 days interest. Rates effective .
How Do I...
Activate My Card or Change My PIN?
Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
Change My Address?
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.
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Click to locate a fee-free ATM near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Click to locate a fee-free ATM near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Find my Routing Number?
Kalsee's routing number is #272481855. You can find it located at the bottom left of your checks.