2024 Overview
General Credit Union Information
Kalsee is an NCUA insured institution located in Kalamazoo, MI. It was founded in 1954 and has approximately $276.38 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61219 |
| Date Established | 1954 |
| Assets | $276.38 million |
| Loans | $200.02 million |
| Deposits | $244.57 million |
| Capital | $28.43 million |
Field of Membership Restrictions
Kalsee Credit Union of Michigan is open to the residents, registered students, and the people that maintain employment within these qualified counties: Allegan, Barry, Branch, Calhoun, Cass, Kalamazoo, St.Joseph, and Van Buren, along with the retired seniors that receive an income compensation allotment, of any type, residing in Kalamazoo County or one of its neighbors, as well as the family members of these eligible people.
Deposit Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.75% | $1 | $499 | Learn More |
Loan Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Kalsee
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $2,183 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Kalsee
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Branches
Below are Kalsee branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Kalsee Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 200.89 | A | View Lobby Hours | |
| 207.45 | B | View Lobby Hours | |
| 208.42 | C | View Lobby Hours | |
| 212.57 | D | View Lobby Hours | |
| 212.96 | E | View Lobby Hours |
Climate Policy and Initiatives
KALSEE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Kalsee Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Kalsee. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Kalsee | U.S. Average |
|---|---|
| 8.33% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Kalsee had $2,344,426 in non-current loans and $68,875 in owned assets. To cover these potential losses it had $28,434,875 in net worth and $538,099 in loans loss reserves. That gives it a Texas Ratio of 8.33%.
Net Worth
| Kalsee | U.S. Average |
|---|---|
| 10.27% | 13.93% |
Kalsee FCU has a net worth of 10.27% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Kalsee
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