What are the current interest rates at Kalsee Credit Union?

Current rates for Kalsee Credit Union include: 12-Month CD: 3.75%, Savings: 3.25%, MMA: 3.25%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Kalsee Credit Union

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Kalsee Credit Union Rates & Review October 2026

Q: How many branches does Kalsee Credit Union operate?

Kalsee Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Kalsee Credit Union?

Yes, to access services at Kalsee Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Kalsee Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kalsee Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Kalsee Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 6 Month CD Special, 3.25% APY on savings, 3.25% APY on money market accounts, 6.00% APY on checking, and personal loans from 10.49% APR, according to rates verified by MonitorBankRates. Other Kalsee Credit Union CD rates include 6-month CD at 4.25%, 9 Month CD Special at 4.25%, and 9-Month Promo CD at 4.25%. MonitorBankRates evaluates the financial stability of Kalsee Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.20%. Rates last updated and verified on 10/09/2026.

Kalsee Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kalsee Credit Union? Share your experience about Kalsee Credit Union by leaving a review below, or read customer reviews before you decide to use Kalsee Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kalsee Credit Union
Corporate Headquarters

5220 Lovers Ln Ste 200
Portage, MI 49002

https://www.kalsee.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kalsee Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate Special	4.179%	4.25%	6-MONTH
Min Deposit $500 Min Balance $500 Details Platinum & VIP Members Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
6-month CD	-	4.25%	6-month
Min Balance $500 Details Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 4.25% ▲ 1.75 pts · high 4.25% / low 2.50% Oct 9, 20264.25%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
9 Month Certificate Special	4.179%	4.25%	9-MONTH
Min Deposit $500 Min Balance $500 Details Platinum & VIP Members Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
9-Month Promo CD	-	4.25%	9-Month
Min Balance $500 Details Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
13 Month Certificate Special	3.94%	4.00%	13-MONTH
Min Deposit $500 Min Balance $500 Details Platinum & VIP Members Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
13-Month Promo CD	-	4.00%	13-Month
Min Balance $500 Details Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.00% APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
6 Month Certificate Special	3.94%	4.00%	6-MONTH
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
6-month CD	-	4.00%	6-month
Min Balance $500 Details Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 4.00% ▲ 1.50 pts · high 4.00% / low 2.50% Oct 9, 20264.00%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
9 Month Certificate Special	3.94%	4.00%	9-MONTH
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
9-Month Promo CD	-	4.00%	9-Month
Min Balance $500 Details Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00% Oct 9, 20264.00%▼ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
13 Month Certificate Special	3.70%	3.75%	13-MONTH
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
13-Month Promo CD	-	3.75%	13-Month
Min Balance $500 Details Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.00% APY. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75% Oct 9, 20263.75%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Savings Rates

Product	Rate	APY
Boost Savings - VIP Perks	-	3.25%
Min Deposit $50 Details 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 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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Boost Savings	-	2.50%
Min Balance $5,000 Details 0.75% APY rate bump for VIP Perks members and 0.50% APY for Platinum Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 2.50% ▲ 1.75 pts · high 2.50% / low 0.75% Sep 18, 20262.50%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lift Savings	1.98%	2.00%
Min Balance $0 Details Balance: $0 - $30,000; Non-qualified rate: 0.05% APY / 0.050% Dividend Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00% Oct 9, 20262.00%▲ from 1.00% Sep 18, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lift Savings	-	2.00%
Min Balance $30,000 Details Earn 1.00% APY on up to $30,000; Earn 2.00% APY on the portion of your balance $30,000.01 or greater Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lift Savings	0.995%	1.00%
Min Balance $30,000 Details Balance: $30,000+; Non-qualified rate: 0.05% APY / 0.050% Dividend Rate Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Boost Savings	-	0.75%
Min Deposit $50 Details VIP Perks members receive a rate bump of 0.75% APY. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 0.75% ▼ 1.75 pts · high 2.50% / low 0.75% Oct 9, 20260.75%▼ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Boost Savings	-	0.50%
Min Deposit $50 Details Platinum Perks members receive a rate bump of 0.50% APY. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 0.50% ▼ 2.00 pts · high 2.50% / low 0.50% Oct 9, 20260.50%▼ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Health Savings (HSA)	0.50%	0.50%
Min Deposit $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Health Savings Account	0.50%	0.50%
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Christmas Savings	0.10%	0.10%
Min Deposit $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Savings	0.10%	0.10%
Min Deposit $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Vacation Savings	0.10%	0.10%
Min Deposit $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Money Market Rates

Product	Rate	APY
Money Market+ VIP Perks	3.20%	3.25%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ Platinum Perks	2.96%	3.00%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+	2.47%	2.50%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ VIP Perks	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ Platinum Perks	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 1.50% ▼ 0.50 pts · high 2.00% / low 1.50% Sep 18, 20261.50%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ VIP Perks	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ Platinum Perks	0.99%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ VIP Perks	0.99%	1.00%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+ Platinum Perks	0.75%	0.75%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 0.50% ▼ 0.75 pts · high 1.25% / low 0.50% Sep 18, 20260.50%▼ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+	0.25%	0.25%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.25% ▼ 0.50 pts · high 0.75% / low 0.25% Sep 18, 20260.25%▼ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Money Market+	0.20%	0.20%
Min Balance $0 Details Balance: $0 - $19,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Markets	2.96%	3.00%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Business Money Markets	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Business Money Markets	0.99%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Business Money Markets	0.50%	0.50%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Business Money Markets	0.30%	0.30%
Min Balance $0 Details Balance: $0 - $19,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Checking Rates

Product	Rate	APY
Lift+ Checking	-	6.00%
Min Balance $20,000 Details Qualifications Required: 24 debit or credit card purchases; eStatements; Log in to Online or Mobile Banking at least once a month; Direct deposits totaling $1,000/month; 0.35% APY on the portion of your balance above $20,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Honor Credit Union - Benefits Checking	-	5.15%
Details Qualifications Required: 20 debit transactions; eStatements; 1 login; Direct deposit; Annual dividends up to almost $515 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Advia Credit Union - Advantage Rewards Checking	-	5.00%
Details Qualifications Required: 20 debit or credit card transactions; $400 e-Deposits; $500 minimum balance; Annual dividends up to almost $250 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Arbor Financial Credit Union - Momentum Checking	-	4.00%
Details Qualifications Required: 20 debit transactions; $500 direct deposit; eStatements; Annual dividends up to almost $600 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Blue Ox Credit Union - eXclusive Checking	-	4.00%
Details Qualifications Required: 15 debit transactions; eStatements; 1 login; Valid address; $500 direct deposit; Annual dividends up to almost $400 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Consumers Credit Union - Serious Interest Checking	-	4.00%
Details Qualifications Required: 12 debit transactions; eStatements; $1,000 avg. daily balance; $1,000 direct deposit; Annual dividends up to almost $600 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lake Michigan Credit Union - Max Checking	-	3.00%
Details Qualifications Required: 10 debit or credit card transactions; eStatements; 4 logins; Direct deposit; Annual dividends up to almost $450 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lift Checking	-	3.00%
Min Balance $25,000 Details Qualifications Required: 12 debit or credit card purchases; eStatements; Log in to Online or Mobile Banking once a month; 0.35% APY on the portion of your balance above $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lift+ Checking	-	0.35%
Min Balance $20,000 Details Qualifications Required: 24 debit or credit card purchases; eStatements; Log in to Online or Mobile Banking at least once a month; Direct deposits totaling $1,000/month; 0.35% APY on the portion of your balance above $20,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	4.99%	up to 96 months
Details As low as; Finance at our awesome low auto loan rates. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
RV, Boat, and Camper Loan	-	7.63%	0-66 months
Details With VIP Perks Discount: 7.13% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
RV, Boat, and Camper Loan	-	7.99%	67-90 months
Details With VIP Perks Discount: 7.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
RV, Boat, and Camper Loan	-	8.74%	91-144 months
Details With VIP Perks Discount: 8.24% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
RV, Boat, and Camper Loan	-	8.99%	145-180 months
Details With VIP Perks Discount: 8.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
RV, Boat, and Camper Loan	-	9.74%	181-240 months
Details With VIP Perks Discount: 9.24% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.49%	12 months
Details With VIP Perks Discount: 9.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Personal Loan	10.49%	24 months
Details With VIP Perks Discount: 9.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Personal Loan	10.49%	36 months
Details With VIP Perks Discount: 9.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Personal Loan	10.99%	60 months
Details With VIP Perks Discount: 10.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Kalsee Credit Union Other Rates

Product	Rate	Points	APY/APR
Kellogg Community Credit Union - eChecking	-	-	5.25%
Details Qualifications Required: 640 credit score; 20 debit transactions; eStatements; $500 direct deposit; 4 logins; Bill pay; Annual dividends up to almost $788 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Lift Savings	-	-	1.00%
Min Balance $30,000 Details Earn 1.00% APY on up to $30,000; Earn 2.00% APY on the portion of your balance $30,000.01 or greater Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kalsee Credit Union’s Texas Ratio stayed near 2.59% in Q3 2023 to 2.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$292M	2.20%	5.0	A+
March 31, 2026	$293M	1.83%	5.0	A+
December 31, 2025	$291M	3.16%	5.0	A+
September 30, 2025	$283M	4.03%	5.0	A+
June 30, 2025	$290M	2.84%	5.0	A+
March 31, 2025	$291M	4.18%	5.0	A+
December 31, 2024	$277M	5.02%	5.0	A+
September 30, 2024	$274M	2.23%	5.0	A+
June 30, 2024	$276M	2.37%	5.0	A+
March 31, 2024	$278M	1.85%	5.0	A+
December 31, 2023	$275M	4.04%	5.0	A+
September 30, 2023	$279M	2.59%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kalsee Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kalsee Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kalsee Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kalsee Credit Union

Website https://www.kalsee.com

Address 5220 Lovers Ln Ste 200, Portage, MI 49002

Phone 269-382-7800

Fax 269-382-7890

President David Stuut

CEO Matt Lahman

Full-Time Employees 83

Part-Time Employees 4

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.20%

Return on Assets (ROA)

0.3978%

Return on Equity (ROE)

3.7492%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

291,533,028

Total Amount of Shares and Deposits

261,780,563

Total Shares and Deposits < 1 Year

260,588,988

Total Shares and Deposits 1 3 Years

877,148

Total Shares and Deposits > 3 Years

314,427

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

17,609,486

Total Uninsured Shares and Deposits > $250K (F+J)

19,595,486

Total Insured Shares and Deposits > $250K (item 17 less item K)

242,185,077

Total Interest Expense (Sum of items 6 8)

1,525,033

Share Certificates

540

Number of Accounts for Share Drafts

15,379

IRA KEOGH Accounts

422

Number of Accounts for Regular Shares

31,537

All other shares

313

Non Member Deposits

Money Market Shares

3,690

Net Income (unless the amount is already included in Undivided Earnings)

1,159,746

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,118,205

Total Liabilities

263,876,426

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Kalsee Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Kalsee Credit Union

How many branches does Kalsee Credit Union operate?

Kalsee Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kalsee Credit Union?

Yes, to access services at Kalsee Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kalsee Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kalsee Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kalsee Credit Union offer online and mobile banking?

Most modern institutions like Kalsee Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kalsee.com.

Current Kalsee Credit Union Rates

12-Month CD3.75%
Savings3.25%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Kalsee Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Kalsee Credit Union Texas Ratio

Kalsee Credit Union Health Trend

Kalsee Credit Union CD Rates

Kalsee Credit Union Savings Rates

Kalsee Credit Union Business Savings Rates

Kalsee Credit Union Money Market Rates

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Kalsee Credit Union Checking Rates

Kalsee Credit Union RV, Boat and Powersport Loan Rates

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Kalsee Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kalsee Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Kalsee Credit Union

How many branches does Kalsee Credit Union operate?

Is a member application needed to join Kalsee Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kalsee Credit Union offer online and mobile banking?

Current Kalsee Credit Union Rates

Compare to Other Credit Unions