Kay Frances (Kading) Terpstra, age 85, passed away on Sunday, August 17, 2025, at her home in Monroe after battling pancreatic cancer. The daughter of Paul and Agnes (Carroll) Kading, Kay was born February 26, 1940, in Knoxville, Iowa. She attended Franklin Center Country School from Kindergarten through 8th grade in rural Knoxville. She then went on to attend Pleasantville High School graduating in 1958. She enjoyed playing the saxophone in the high school band and participating in the local 4-H club. 4-H is where she learned to refinish furniture, sew and bake (must be where she learned to make her most famous almond bars). After graduation, she began her nearly 40-year career with Equitable Life of Iowa Insurance Company in Des Moines. While there, she held many different positions with her last one being Supervisor in the Actuarial Department.

On February 5, 1982, Kay was united in marriage to Vernon Terpstra at her cousin's home near Pleasantville. To this union Vernon brought four children: Todd, Krista, Jodi and Jill, which she lovingly welcomed as her own. The couple lived on a dairy farm west of Monroe all their married life until moving to town a little over one year ago. The couple enjoyed many activities together including playing on a co-ed volleyball league, a co-ed bowling league, attending all the "Kading Kousin" reunions and playing various card games with several different family members and friend groups. Her greatest enjoyment came from her interactions with her grandkids and great grandkids. She made sure their mailbox was never empty on a birthday or holiday, could never tell them "no" and saved all the newspaper clippings their name and/or photo was ever mentioned in. Kay was also a tremendous help to Vernon in the dairy barn feeding the newborn calves and all her numerous farm kitties.

Kay grew up going to Sacred Heart Catholic Church in Melcher, Iowa. She attended Otley Reformed Church all her married life where she enjoyed serving in many capacities including Vacation Bible School, the Tulip Time food stand and Linger Longer coffee time every Sunday morning serving coffee and all the sweets one could eat.

Those left to cherish her memory include her husband of 43 years, Vernon of Monroe, and his four children and their families:

Todd (Bonnie) Terpstra

Justin (Chelsea) Terpstra

Jayden Terpstra

Jeremy (Taylor) Terpstra

Tayten, Tinsley, Teslyn and Taegyn Terpstra

Joey (Tommi) Terpstra

Oaklee, Colbie and JJ Terpstra

Brandi (Austin) Crady

Landon, Beau and Olivia Crady

Krista (Ron) Van Wyngarden

Vince (Amber Schubert) Van Wyngarden

Chase and Maxim Van Wyngarden

Wyatt, Isaac and Quinn Schubert

Jordan (Heather) Van Wyngarden

Emma and Ella Van Wyngarden

Dylan (Jenna) Van Wyngarden

Nova Van Wyngarden

Jodi (Mike) Lanphier

Taylon (Emma) Lanphier

Layton Lanphier

Baby due in September

Tawnie (Jeff) Codner

Ainslee and Waelynn Codner

Trayten Lanphier

Jill (Cameron) McGinley

Alexis (Brennan) Borgestad

Baby due in February

Ridge McGinley

Reid McGinley

Cade McGinley

She is also survived by her brother Charles Kading, sister Judy (Will) Becker, brothers-in-law Rich (Mary) Terpstra, Virgil (Bertha) Terpstra, Ivan (Nancy) Terpstra and Larry Rumer, sisters-in-law Viola Goemaat and Twyla Meyers and nieces and nephews, as well as their beloved dog, Pete.

Kay was preceded in death by her parents, Paul and Agnes Kading, her sister, Mary Ellen Kading, sister-in-law Marianne Kading, parents-in-law Dick and Minnie Terpstra, brothers and sisters-in-law Alberta (Marion) Pol, Irene (Raymond) Bennink, Donna (Lee) Asher, Ed Goemaat, Marilyn (Marvin) May and Julia Rumer.