My Kalsee Perks

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The more you bank with us, the more you save.

We're grateful to consider you part of our family. Bringing your full banking relationship to Kalsee helps us get to know you and cultivate your financial wellness, so you can focus on what matters. And as a thank you for your relationship with us, you can earn rate discounts, fee waivers, and other great perks. Each product or service you use earns you monthly points, reflected on your statement and in Online Banking.

Perk	Basic 0-75 points	Gold 76-175 points	Platinum 176-275 points	VIP 276+ points
-0.50% APR¹ off your next loan				✔
-0.25% APR¹off your next loan			✔
+0.75% APY² on Money Market+ and Boost Savings				✔
+0.50% APY² on Money Market+ and Boost Savings			✔
Free cashier's checks				✔
Free money orders				✔
Free phone transfers			✔	✔
Free check cashing		✔	✔	✔
Free account history print outs		✔	✔	✔
Free online banking transfers to/from an outside financial institution		✔	✔	✔
Free notary services		✔	✔	✔
Free ATM transactions at CO-OP Network ATMs	✔	✔	✔	✔
Free first debit card	✔	✔	✔	✔
Free CU*Talk Phone Banking	✔	✔	✔	✔
Free Online Banking with eStatements and Bill Pay	✔	✔	✔	✔
Free CO-OP and Xtend shared branching	✔	✔	✔	✔

$1,825,671.16

returned to members in 2024 as Perks benefits and fee waivers/refunds.

Earning Perks Points

Loans		Deposits
10	Home Equity Loan	10	Additional Savings Account
25	Credit Card	10	Certificate of Deposit (CD)
25	Mortgage	20	IRA Share / IRA CD
25	All Other Loans (Per Loan Type)	25	Retirement & Investment Account
10	Aggregate Balance Less Than $1,000	10	Money Market
30	Aggregate Balance $1,000 - $24,999	10	Aggregate Balance Less Than $1,000
40	Aggregate Balance $25,000 - $49,999	15	Aggregate Balance $1,000 - $2,499
50	Aggregate Balance $50,000 - $74,999	25	Aggregate Balance $2,500 - $9,999
60	Aggregate Balance $75,000+	35	Aggregate Balance $10,000 - $49,999
Services		45	Aggregate Balance $50,000+
25	It’s Me 247 Online Banking	25	ACH Deposit $2,000+
5	CU*Talk Phone Banking	5	Active Automatic Funds Transfers
15	Bill Pay	15	Active Automatic Funds Transfer Loan Payment
25	eStatements	15	Active ACH Loan Payment
15	Valid Email Address
10	ATM/POS PIN Transaction	Penalties
10	12-23 Debit Card Transactions	-200	Wrong Address
15	24-49 Debit Card Transactions	-200	Negative Savings Balance
25	50+ Debit Card Transactions	-200	Delinquent Loan
10	Text Banking
15	Mobile Web Banking
25	Courtesy Pay Opt-In for Debit Transactions

More to Explore

1 APR = Annual Percentage Rate. APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status. Mortgages and lines of credit do not qualify for Perks discount.

2 APY = Annual Percentage Yield. Boost Savings and Money Market+ rate bumps apply to funds in the second rate tier and above, applied each month that you maintain VIP or Platinum Perks status.

Perks benefits are subject to change at any time. Business memberships are not eligible for and do not calculate towards Perks benefits.