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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Kitsap Bank Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Kitsap Bank's 3-Month CD Special rates are at 3.30%, 4-Month CD Special rates are at 3.30%, 5-Month CD Special rates are at 3.30%, 9-Month CD Special rates are at 3.30%, 13-Month CD Special rates are at 2.75%. Kitsap Bank's savings rates are at 0.05%. Kitsap Bank's money market rates are at 0.25%. Kitsap Bank's Personal Loan Rates are at 14.58%. MonitorBankRates evaluates the financial stability of Kitsap Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates were last updated on 03/27/2026. Kitsap Bank 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 Kitsap Bank? Share your experience about Kitsap Bank by leaving a review below, or read customer reviews before you decide to use Kitsap Bank. 
Kitsap Bank CD Rates
Kitsap Bank Savings Rates
Kitsap Bank Money Market Rates
Kitsap Bank Checking Rates
Kitsap Bank Home Equity & HELOC
Kitsap Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Kitsap Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Kitsap Bank 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 Kitsap Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Kitsap Bank
Bank Holding Company
OLYMPIC BCORP INC
Address
619 Bay St,
Port Orchard, WA 98366 · Kitsap
Website
https://www.kitsapbank.com
FDIC Certificate #
6161
Established
08/08/1908
FDIC Insurance Date
01/01/1934
Domestic Offices
18
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.52%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0454%
Return on Equity (ROE)
13.7500%
Non-Performing Loans (NPL)
0.04%
Total Assets
$1,653,440,000
Total Deposits
$1,434,949,000
Equity Capital
$146,187,000
Net Income
$15,363,000
Headquarters
Port Orchard
Total Offices
18
Source: FDIC | Last Updated 12/31/2025
Customer Reviewsbanking123
November 6, 2023
Kitsap Bank offers excellent banking services. Their customer service is top-notch, and their staff is always friendly and helpful. They have a wide range of financial products to meet various needs, and their online banking platform is user-friendly. I\\\'ve been a customer for several years and have had a positive experience overall. I highly recommend Kitsap Bank.
Add Your Rating and Review for Kitsap Bank
Frequently Asked Questions About Kitsap BankIs Kitsap Bank a safe place to deposit money?Yes, Kitsap Bank is considered a safe financial institution. With a Texas Ratio of 0.52188206287241%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Kitsap Bank operate?Kitsap Bank 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 there a first-time homebuyer program?Currently, Kitsap Bank 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, Kitsap Bank provides members with tools to manage their accounts and build a solid financial history. Does Kitsap Bank offer online and mobile banking?Most modern institutions like Kitsap Bank 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.kitsapbank.com. Current Kitsap Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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