--- title: "Kalsee Credit Union Rates (Nov 2026): CDs to 0.20%, Personal 9.99%" description: "Kalsee Credit Union rates today: savings & CDs up to 0.20% APY, personal loans from 9.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Kalsee Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/kalsee" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Kalsee Credit Union Rates (Nov 2026): CDs to 0.20%, Personal 9.99% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.490% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.490% | — | Standard | | **Get a quick and easy pre-approval for your home loan.** other | — APR | 5.490% | — | Standard | | **Mortgages 5.942% APR* as low as Easy Mortgage Options** other | — APR | 5.740% | — | Standard | Kalsee Credit Union mortgage rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | 9.990% APR | 10.490% | 12 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.490% | — | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | 10.490% APR | 10.990% | 60 mo | Standard | Kalsee Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **$0 – $19,999** savings | — APY | 0.20% | — | Standard | | **Money Market** money_market | 0.20% APY | 0.20% | — | Standard | | **$20,000 – $49,999** savings | — APY | 0.25% | — | Standard | | **Balance Tiers** savings | — APY | 0.50% | — | Standard | | **$50,000 – $99,999** savings | — APY | 0.50% | — | Standard | | **$20,000+** savings | — APY | 0.60% | — | Standard | | **$10,000 - $19,999** savings | — APY | 1.00% | — | Standard | | **$100,000 – $199,999** savings | — APY | 1.50% | — | Standard | | **$5,000 – $9,999** savings | — APY | 1.50% | — | Standard | | **$200,000+** savings | — APY | 2.50% | — | Standard | | **$0 – $4,999** savings | — APY | 2.50% | — | Standard | | **You can count on Kalsee for spectacular rates.** savings | — APY | 3.25% | — | Standard | | **Lift+ Checking 6.00% APY* on up to $20,000 High-Yield Checking** checking | — APY | 3.25% | — | Standard | Kalsee Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **As low as 4.49% APR 1** other | 4.490% % | 4.990% | — | Standard | Kalsee Credit Union other rates as of November 12, 2026 Personal loan rates from 9.99% APR. Savings and certificate yields up to 0.20% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/kalsee) , verified from [Kalsee Credit Union's official website](https://www.kalsee.com/) Best product position **Around the Michigan median** personal loan Gap to state best **749 bp** 749 bp from state best Vs. state median **Matches state median** personal loan Products ranked **1** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 9.99% | Around the Michigan median | 749 bp from state best | Matches state median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Kalsee Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=kalsee&state=michigan&code=MI&name=Kalsee%20Credit%20Union) Loading branch locator… ## About Kalsee Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 22K Assets $293.3M Founded 1954 Locations reported 7 NCUA charter 61219 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Honor** Honor Credit Union · Portage · MI · 49002 About 0.4 miles away](https://rateapi.dev/credit-unions/michigan/honor) [**Arbor Financial** Portage Road Office · PORTAGE · MI · 49002-6420 About 0.8 miles away](https://rateapi.dev/credit-unions/michigan/arbor-financial) [**United Bay Community** Portage · Portage · MI · 49024-5353 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/united-bay-community) [**Kellogg Community** Portage · Portage · MI · 49024 About 2.4 miles away](https://rateapi.dev/credit-unions/michigan/kellogg-community) [**Consumers** Milham Ave · Portage · MI · 49002 About 2.5 miles away](https://rateapi.dev/credit-unions/michigan/consumers) [**Advia** Portage · Portage · MI · 49002-3011 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/advia) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Kalsee Credit Union Membership eligibility from Kalsee Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Kalsee Credit Union's website. Check the membership page below to confirm whether you qualify. - Location allegan, barry, branch, calhoun, cass, kalamazoo, st. joseph, van buren — MI Verified from [Kalsee Credit Union's membership page](https://www.kalsee.com/connect/about/who-we-are) . Final membership determination is always made by the credit union. ## Membership rules for Kalsee Credit Union Geography 8 counties 32 published paths to membership, last verified August 27, 2026, quoted from Kalsee Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Allegan County, MI - Barry County, MI - Branch County, MI - Calhoun County, MI - Cass County, MI - Kalamazoo County, MI - St. Joseph County, MI - Van Buren County, MI “In 2008, we took a major step forward by adopting a community charter, opening membership to anyone who lives, works, worships, or attends school in Allegan, Barry, Branch, Calhoun, Cass, Kalamazoo, St. Joseph, or Van Buren counties.” > [source ↗](https://www.kalsee.com/connect/about/who-we-are) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Kalsee Credit Union? Yes No ## Work at Kalsee Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Kalsee Credit Union ranks against Michigan peers. - See which AI assistants fetched Kalsee Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=kalsee&state=michigan&code=MI&name=Kalsee%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Kalsee Credit Union offer? Kalsee Credit Union currently offers mortgage, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Kalsee Credit Union rates updated? RateAPI verifies Kalsee Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Kalsee Credit Union's rate data? Rate data is collected directly from Kalsee Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Kalsee Credit Union's personal loan rate? As of November 12, 2026, Kalsee Credit Union offers personal loans from 9.99% APR. ### What is Kalsee Credit Union's best CD rate? As of November 12, 2026, Kalsee Credit Union offers savings and certificate (CD) yields up to 0.20% APY. ### Who can join Kalsee Credit Union? Kalsee Credit Union publishes its membership criteria on its own website. RateAPI tracks 32 published membership paths covering 8 counties for Kalsee Credit Union, each quoted from Kalsee Credit Union's own published membership criteria. ## Related Rate Data Compare Kalsee Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.kalsee.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Kalsee Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Kalsee Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /kalsee " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Kalsee Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/kalsee Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp