Kitsap Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.70%, 6-month CD rates at 0.50% and 3-month CD rates at 0.20%. Current savings rates are at 0.60% and money market rates are at 0.01%. Mortgage rates today on 30-year fixed loans are around 5.98%. Credit Card rates are at 9.99%. Personal Loan rates are at 6.46%. All these rates, and more, can be found in our database of rates. Kitsap Bank's 60-Month CD rates are at 2.95%, 48-Month CD rates are at 2.85%, 36-Month CD rates are at 2.75%, 30-Month CD rates are at 2.35%, 24-Month CD rates are at 2.00%. Kitsap Bank's savings rates are at 0.05%. Kitsap Bank's money market rates are at 0.65%.

Kitsap Bank

To see how these rates compare to Kitsap Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Kitsap Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Kitsap Bank CD rates. You can also compare Kitsap Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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 Texas Ratio

Kitsap Bank's Texas Ratio is at 0.61%, which is considered excellent. The Texas Ratio for Kitsap Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Kitsap Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
1.30%
18-Month CD
1.65%
24-Month CD
2.00%
36-Month CD
2.75%
48-Month CD
2.85%
60-Month CD
2.95%
Savings
0.05%
MMA
0.65%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Kitsap Bank
619 Bay St
Port Orchard, WA 98366
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Kitsap Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Kitsap Bank
Kitsap Bank
60-Month CD
2.95%
$5,000
Kitsap Bank
Kitsap Bank
48-Month CD
2.85%
$5,000
Kitsap Bank
Kitsap Bank
36-Month CD
2.75%
$5,000
Kitsap Bank
Kitsap Bank
30-Month CD
2.35%
$5,000
Kitsap Bank
Kitsap Bank
24-Month CD
2.00%
$5,000
Kitsap Bank
Kitsap Bank
18-Month CD
1.65%
$5,000
Kitsap Bank
Kitsap Bank
12-Month CD
1.30%
$5,000
Kitsap Bank
Kitsap Bank
9-Month CD
0.90%
$5,000
Kitsap Bank
Kitsap Bank
6-Month CD
0.85%
$5,000
Kitsap Bank
Kitsap Bank
Money Market Plus
0.65%
$100,000
Kitsap Bank
Kitsap Bank
3-Month CD
0.55%
$5,000
Kitsap Bank
Kitsap Bank
Statement Savings
0.05%
$100
Kitsap Bank
Kitsap Bank
Legends Checking
0.02%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Kitsap Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bank of the Flint Hills
Bank of the Flint Hills
12-Month CD
4.25%
$500
Achieve Credit Union
Achieve Credit Union
6-Month CD
4.25%
$500
Meridian Bank
Meridian Bank
12-Month CD
4.05%
$500
Main Bank
Main Bank
6-Month CD
3.60%
$1,000
PNB Peshtigo National Bank
PNB Peshtigo National Bank
36-Month CD
3.60%
$500
United State Bank Lewistown, MO
United State Bank Lewistown, MO
30-Month CD
3.56%
$1,000
Cendera Bank
Cendera Bank
48-Month CD
3.40%
$1,000
Boonville Federal Savings Bank
Boonville Federal Savings Bank
24-Month CD
3.03%
$1,000
State Bank of Chilton
State Bank of Chilton
12-Month CD
3.02%
$1,000
Brentwood Bank
Brentwood Bank
48-Month CD
3.00%
$2,000
Gate City Bank
Gate City Bank
48-Month CD
3.00%
$1,000
Grand Valley Bank
Grand Valley Bank
60-Month CD
3.00%
$500
Home Savings Bank Salt Lake City, UT
Home Savings Bank Salt Lake City, UT
36-Month CD
3.00%
$5,000
Security Federal Bank
Security Federal Bank
30-Month CD
3.00%
$500
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Checking
3.00%
$1
Ally Bank
Ally Bank
3-Month CD
2.90%
$0
Enterprise Bank Allison Park, PA
Enterprise Bank Allison Park, PA
3-Month CD
2.84%
$500
River Falls State Bank
River Falls State Bank
60-Month CD
2.73%
$500
BayFirst National Bank
BayFirst National Bank
24-Month CD
2.25%
$1,000
Comerica Bank & Trust, N.A.
Comerica Bank & Trust, N.A.
12-Month CD
2.25%
$5,000
American Plus Bank, N.A.
American Plus Bank, N.A.
60-Month CD
2.20%
$25,000
River Falls State Bank
River Falls State Bank
12-Month CD
2.02%
$500
Fifth District Savings Bank
Fifth District Savings Bank
36-Month CD
2.00%
$1,000
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
18-Month CD
2.00%
$1,000
FNB Community Bank
FNB Community Bank
24-Month CD
1.81%
$1,000
First National Bank of Clarksdale
First National Bank of Clarksdale
18-Month CD
1.50%
$500
C&SB of Millersburg, Ohio
C&SB of Millersburg, Ohio
48-Month CD
1.36%
$500
Savers Co-operative Bank
Savers Co-operative Bank
12-Month CD
1.02%
$500
Community Bank Owatonna
Community Bank Owatonna
Money Market
1.00%
$90,000
Pathfinder Bank
Pathfinder Bank
12-Month CD
0.80%
$1,000
Lisle Savings Bank
Lisle Savings Bank
42-Month CD
0.75%
$2,000
New Mexico Bank and Trust
New Mexico Bank and Trust
36-Month CD
0.75%
$1,000
DB&T
DB&T
60-Month CD
0.60%
$1,000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
48-Month CD
0.60%
$500
PennCrest Bank
PennCrest Bank
Money Market
0.50%
$0
Mercer Savings Bank
Mercer Savings Bank
48-Month CD
0.45%
$100
Citizens Bank of Kansas
Citizens Bank of Kansas
48-Month CD
0.40%
$500
First Exchange Bank
First Exchange Bank
48-Month CD
0.40%
$500
Machias Savings Bank
Machias Savings Bank
Money Market
0.30%
$2,500
5 Star Bank
5 Star Bank
12-Month CD
0.30%
$500
North Country Savings Bank
North Country Savings Bank
48-Month CD
0.25%
$1,000
Florence Bank
Florence Bank
12-Month CD
0.20%
$500
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
Statement Savings
0.20%
$100
Community Bank Zanesville, OH
Community Bank Zanesville, OH
Statement Savings
0.10%
$100
First State Bank (MI)
First State Bank (MI)
48-Month CD
0.05%
$1,000
Applied Bank
Applied Bank
60-Month CD
0.05%
$1,000
PCSB Bank
PCSB Bank
True Local Checking
0.05%
$1
Associated Bank
Associated Bank
18-Month CD
0.03%
$1,000
American Savings Bank, FSB
American Savings Bank, FSB
Statement Savings
0.02%
$100
Cleveland State Bank
Cleveland State Bank
Checking
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates March 28, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
15-Year Fixed
5.125%
5.243%
0.625
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.125%
5.447%
1.125
5.250%
5.482%
0.500
5.250%
5.491%
0.000
5.250%
5.506%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
15-Year Fixed Jumbo
5.500%
5.526%
0.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.250%
5.570%
1.250
5.375%
5.582%
1.000
5.500%
5.614%
0.000
5.250%
5.615%
1.750
5.250%
5.629%
2.000
5.500%
5.638%
0.000
5.500%
5.639%
0.250
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Kitsap Bank Information

Kitsap Bank
619 Bay St
Port Orchard, WA 98366
Kitsap
Established Date: 08/08/1908
FDIC Certificate #: 6161
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: OLYMPIC BCORP INC
How Many Domestic U.S. Offices? 18
How Many Branches are There? 17
Is Kitsap Bank FDIC Insured? Yes
What is Kitsap Bank's Cert number? 6161
What is the maximum amount for insured deposits? $250,000 per holder, per account

Kitsap Bank Financials

Total Assets:
$1,648,025,000
Total Deposits:
$1,363,565,000
Equity Capital:
$144,815,000
Domestic Deposits:
$1,363,565,000
Net Income:
$2,516,000
Return on Assets:
1.0454%
Quarterly Return on Assets:
0.6100%
Pretax Return on Assets:
0.7430%
Pretax Quarterly Return on Assets:
0.7400%
Return on Equity:
13.7500%
Quarterly Return on Equity:
6.9700%
Common Equity Tier 1 Capital Ratio:
16.1004%
Tier 1 Risk-Based Capital Ratio:
16.1004%
Leverage Tier 1 (Core Capital) Ratio:
11.0089%
Total Risk-Based Capital Ratio (YTD):
17.0051%
Total Interest Income (YTD):
4.3782%
 
 
Headquarters:
Port Orchard
FDIC Field Office:
Seattle
Regulator:
FDIC
County:
Kitsap
# of Offices:
18
Metropolitan Statistical Area (MSA):
Bremerton-Silverdale-Port Orchard, WA
Consolidated Metropolitan Statistical Area (CMSA):
Seattle-Tacoma-Bremerton, WA
OTS Region:
West
FDIC Region:
San Francisco
Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Mortgage rates continue to increase following bond yields higher. 30 year conforming mortgage rates are almost at 5.00 percent again. Current 30 year conforming mortgage rates and conforming refinance rates are averaging 4.84 percent, up from yesterday's average 30 year conforming home mortgage rate and refinance rate of 4.71 percent. 30 year home mortgage rates and home refinance mortgage rates in Virginia are lower averaging 4.69 percent.
Alabama Central Credit Union is advertising several types of savings accounts that have some competitive savings rates. The savings accounts include a minor savings account (custodial savings account), regular share savings account, a daily share savings account and money manager (money  market) accounts.

Bank or Credit Union Offers and Deals

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Mortgage Rates: Best 30 Year Mortgage Rates and 15 Year Mortgage Rates
giantbank.com Money Market Account Rates now at 0.45%
Mortgage Rates - Today's Mortgage Interest Rates at 4.95%
Current Fixed Mortgage Rates Make Another All-Time Low Today
Bank of America Car Loan Rates

Alternative Bank and Credit Union Offers to Explore

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Savings Interest Account Rates and Yields in Baltimore, Maryland

Kitsap Bank Reviews

banking123
★★★★★
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.
Average Rating
★★★★★
Total Reviews
1
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