Kitsap Bank Rates and Review February 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 →
Kitsap Bank's 5-Month 5-Month CD Special rates are at 3.30%, 13-Month 13-Month CD Special rates are at 2.75%, 30-Month 30-Month CD rates are at 2.65%, 30-Month 30-Month CD rates are at 2.45%, 30-Month 30-Month CD rates are at 2.35%. Kitsap Bank's savings rates are at 0.05%. Kitsap Bank's money market rates are at 0.25%.
Rate Updates and AvailabilityKitsap 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 RatioKitsap 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. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Kitsap Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Kitsap Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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 & OverviewKitsap Bank
619 Bay StPort 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 Website: https://www.kitsapbank.com
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
Financial Health & AssetsTotal Assets:
$1,648,025,000
Total Deposits:
$1,363,565,000
Equity Capital:
$144,815,000
Net Income:
$2,516,000
Return on Assets (ROA):
1.0454%
Return on Equity (ROE):
13.7500%
Headquarters:
Port Orchard
Regulator:
FDIC
# of Offices:
18
Source: FDIC | Last Updated 03/31/2024
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 BankHow do I open an account at Kitsap Bank?You can typically open an account at Kitsap Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Kitsap Bank provides a range of mortgage and home equity products. Is Kitsap Bank a safe place to deposit money?Yes, Kitsap Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Kitsap Bank offer online and mobile banking?Most modern institutions like Kitsap Bank provide digital access including online balance checks and transfers. Compare to other Banks |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
