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 4.75% 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 .
2 APY = Annual Percentage Yield. Rates accurate as of 4/17/23. Rates subject to change. Available for a limited time on 24-month CDs with a minimum balance of $500 and maximum of $250,000 per member. Funds currently on deposit at Kalsee Credit Union not eligible. Penalties for additional early withdrawals on CDs. Fees may reduce earnings. Kalsee Credit Union membership required. APY for 24 Month Promo CD is 4.75%. Youth and add-on CDs not eligible. See branch for additional details.
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?
Find a Branch and ATM?
Click to view our locations and hours.
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.