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Savings


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What are your #LifeGoals?

Looking to save for an emergency fund, a wedding, a home down payment, or your kids’ college? The sooner you get started the better! Create a habit of savings with even a small amount to start. Whatever your goals, we can help you put together a savings plan that’s right for you.


Lift Savings 
Earn up to 2.00% APY2

  • Add a Lift Savings to your rewards checking to earn 1.00% APY1 on all balances up to $30,000 and 2.00% APY on the portion of your balance over $30,000, when you meet your qualifications in your Lift checking.2 (Earn 0.05% APY if qualifications are not met.)

Boost Savings
Earn up to 2.50% APY3

  • 0.75% APY rate bump for VIP Perks members and 0.50% APY for Platinum! 
  • Higher dividend rates at the lowest balance tiers to help you get started

Regular Savings

  • Our regular Savings provides you complete safety and unlimited access to your funds.
  • Open a new Savings account quickly and easily in Online Banking or our Mobile App by selecting the New Accounts menu option and nickname it whatever you like.
PRO TIP: Open multiple savings accounts for envelope style budgeting. For example: a home makeover fund, a tuition fund, an insurance savings, a vacation fund, a Christmas fund, etc. Set up automatic transfers in online banking to put you on the path to your #LifeGoals!


Vacation Savings

  • Want to get away to that special place? Start a Kalsee vacation savings and with a small deposit every paycheck, you could be whisking away to that special place for your next vacation. There is no starting date and no ending date. You determine when you want to take that vacation.
  • Open a new vacation savings quickly and easily in Online Banking or our Mobile App by selecting the New Accounts menu option.


Christmas Savings

  • Plan ahead for holiday shopping with a Christmas savings. With automatic transfers your holiday budget will be voted most likely to succeed!
  • Open a new Christmas Savings quickly and easily in Online Banking or our Mobile App by selecting the New Accounts menu option.


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Pro Tip

Having an emergency fund is a vital part of any healthy household budget. You never know when you’ll have an unexpected expense or loss of income. Experts recommend having enough savings to cover up to 6 months of your expenses, however, it’s most important to just get started somewhere with your emergency fund.

Savings Account Rates

As high as 2.00% APY1


 Balance Tiers APY1 Dividend Rate Minimum balance to earn APY
Lift Savings2
$0 - $30,000
$30,000+
Non-qualified rate
1.00%
2.00%
0.05%
0.995%
1.980%
0.050%
 N/A
Savings N/A 0.10%
 0.100% $50
Christmas Savings N/A
 0.10%
 0.100% 
 $1
Vacation Savings N/A
 0.10%
 0.100% 
 $50
Health Savings Account (HSA) N/A 
 0.50%
 0.500%
 $50

Boost Savings Rates

Flexible, convenient savings that vary with market prices.
 

Up to 2.50 % APY1

·   Liquid savings   ·
·   Easy online access   ·
·   Platinum & VIP Perks members earn more   ·

Balance Tiers APY1 / Dividend Rate Platinum Perks +0.50% APY
APY / Dividend Rate		 VIP Perks +0.75% APY
APY / Dividend Rate
$0 – $4,999 2.50% / 2.470% 2.50% / 2.470 % 2.50% / 2.470%
$5,000 – $9,999 1.00% / 0.990% 1.50% / 1.490% 1.75% / 1.740%
$10,000 - $19,999 0.50% / 0.500% 1.00% / 0.990 % 1.25% / 1.240%
$20,000+ 0.10% / 0.100% 0.60% / 0.600% 0.85% / 0.850%




More to Explore

1 APY = Annual Percentage Yield. Rates are variable, subject to change at any time without notice. Fees may reduce earnings. Rates effective TODAY'S DATE.

2 APY = Annual Percentage Yield. For all Kalsee rewards checking accounts, you may qualify for monthly rewards if you meet the qualification requirements for each month: you must 1) make 12 debit or credit card purchases that post and settle to your account, or 24 for Lift+ Checking only; 2) access Online Banking at least one time per month; 3) be enrolled in and receive e-statements; and 4) for Lift+ Checking only, receive an aggregate of $1,000 in direct deposits. The monthly qualification cycle is the calendar month. Kalsee rewards checkings and Lift Savings accounts are limited to one account per SSN. All rewards checking accounts except Boost Savings in which qualifications are not met will earn 0.05% APY. Rates accurate as of TODAY'S DATE, subject to change. Fees may reduce earnings. Tiered rate account available only to holders of a Kalsee rewards checking account: if you meet the minimum qualification requirements, 1.00% APY will apply to balances of $30,000.00 and below; 2.00% APY will apply to balances of $30,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. Account transfer and withdrawal limitations apply. Click for additional details.

3 Tiered rate account, the dividend rate and annual percentage yield for each balance range will apply to the portion of the balance in each tier. $50 minimum deposit required to open account. Six withdrawals per month allowed. No monthly fee. $50 minimum withdrawal. No minimum balance to earn dividends. Platinum Perks members with balances $5,000+ receive a rate bump of 0.50% APY; VIP Perks, 0.75% APY. 

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How Do I...

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?
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.
KALSEE Credit Union offers Comprehensive Identity Theft Protection for members and their families for only $2.99/month. Learn more about ID Protect.
Kalsee's routing number is #272481855. You can find it located at the bottom left of your checks.

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