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

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Today's 12-month CD rates can be found at 0.35%, 6-month CD rates at 3.94% and 3-month CD rates at 0.75%. Current savings rates are at 0.05% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 7.30%. Credit Card rates are at 13.50%. Personal Loan rates are at 13.70%. 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 0.30%, which is considered excellent. The Texas Ratio for Kitsap Bank is lower than the national average of all banks, currently at 6.24%. 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
Climate First Bank
Climate First Bank
Money Market Choice Personal
5.34%
$50,000
The Corner Stone Bank
The Corner Stone Bank
6-Month CD
5.30%
$1,000
Chartway Credit Union
Chartway Credit Union
Checking High Yield
5.00%
$5
Regent Bank (OK)
Regent Bank (OK)
12-Month CD
5.00%
$1,000
CNB Bank Direct, a div of Citizens National Bank
CNB Bank Direct, a div of Citizens National Bank
High Yield Savings
4.60%
$100
MCT Credit Union
MCT Credit Union
12-Month CD
4.60%
$1,000
Texas Heritage National Bank
Texas Heritage National Bank
7-Month CD
4.59%
$1,000
VISIONBank Saint Francis, MN
VISIONBank Saint Francis, MN
3-Month CD
4.58%
$500
Atkins Savings B&T
Atkins Savings B&T
18-Month CD (Adjust-A-Rate)
4.40%
$1,000
Integrity Bank & Trust
Integrity Bank & Trust
6-Month CD
4.37%
$500
Avidia Bank
Avidia Bank
24-Month CD
4.18%
$500
Beacon Community Bank
Beacon Community Bank
48-Month CD
3.75%
$250
Merchants Bank of Indiana
Merchants Bank of Indiana
12-Month CD
3.72%
$1,000
Legacy Bank Colwich, KS
Legacy Bank Colwich, KS
60-Month CD
3.45%
$1,000
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
6-Month CD share certificate
3.35%
$500
Apple Bank for Savings
Apple Bank for Savings
18-Month CD
3.25%
$1,000
First Security Bank Byron, MN
First Security Bank Byron, MN
24-Month CD
3.02%
$500
Home Federal Bank of Tennessee
Home Federal Bank of Tennessee
18-Month CD
3.00%
$500
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
3-Month CD
2.78%
$1,000
Keen Bank
Keen Bank
60-Month CD
2.75%
$2,000
Delaware NB of Delhi
Delaware NB of Delhi
48-Month CD
2.68%
$100
Ashton State Bank
Ashton State Bank
18-Month CD
2.52%
$1,000
First Westroads Bank
First Westroads Bank
36-Month CD
2.50%
$100
GTE Financial Credit Union
GTE Financial Credit Union
6-Month CD
2.27%
$500
Monroe Savings Bank
Monroe Savings Bank
36-Month CD
2.15%
$500
FNB of Raymond
FNB of Raymond
24-Month CD
1.92%
$1,000
Table Rock Community Bank
Table Rock Community Bank
36-Month CD
1.56%
$1,000
F&M Bank Berlin, WI
F&M Bank Berlin, WI
24-Month CD
1.50%
$500
HomeBank
36-Month CD
1.41%
$2,500
Stryv Bank
Stryv Bank
48-Month CD
1.40%
$1,000
Acipco Federal Credit Union
Acipco Federal Credit Union
6-Month CD certificate
1.00%
$1,000
First Financial Bank
First Financial Bank
Kasasa Savings
0.75%
$0
Ion Bank
Ion Bank
48-Month CD
0.65%
$500
Midland Community Bank
Midland Community Bank
6-Month CD
0.60%
$1,000
Marion Center Bank
Marion Center Bank
60-Month CD
0.35%
$1,000
Milford Bank
Milford Bank
60-Month CD
0.35%
$1,000
Rondout Savings Bank
Rondout Savings Bank
18-Month CD
0.30%
$500
Partners Bank of New England
18-Month CD (Bump-Up)
0.30%
$500
The Wilmington Savings Bank
The Wilmington Savings Bank
18-Month CD
0.30%
$500
Collinsville Building and Loan Association
Collinsville Building and Loan Association
48-Month CD
0.25%
$500
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
Passbook Savings
0.25%
$10
Community State Bank Shelbina, MO
Community State Bank Shelbina, MO
Money Market
0.25%
$2,500
Bogota Savings Bank
Bogota Savings Bank
Passbook Savings
0.20%
$100
Ixonia Bank
Ixonia Bank
Platinum Personal Savings
0.20%
$25,000
MVSB
Everyday Money Market
0.15%
$1,000
Bank of Edmonson County
Bank of Edmonson County
Money Market
0.15%
$1,000
Canton Co-operative Bank
Canton Co-operative Bank
High Interest Checking
0.10%
$1,500
PSB of Rhineland
PSB of Rhineland
Money Market
0.10%
$2,500
Bank of Canton
Bank of Canton
Money Market
0.05%
$2,500
SSB Sherwood State Bank
SSB Sherwood State Bank
Statement Savings
0.02%
$50
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 June 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
5.950%
5.998%
0.000
5.875%
6.031%
0.000
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? 19
How Many Branches are There? 19
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:
$1,648,214,000
Total Deposits:
$1,487,069,000
Equity Capital:
$129,558,000
Domestic Deposits:
$1,487,069,000
Net Income:
$3,770,000
Return on Assets:
0.7712%
Quarterly Return on Assets:
0.9200%
Pretax Return on Assets:
1.1005%
Pretax Quarterly Return on Assets:
1.1000%
Return on Equity:
9.3300%
Quarterly Return on Equity:
12.2800%
Common Equity Tier 1 Capital Ratio:
15.7364%
Tier 1 Risk-Based Capital Ratio:
15.7364%
Leverage Tier 1 (Core Capital) Ratio:
10.0843%
Total Risk-Based Capital Ratio (YTD):
16.6844%
Total Interest Income (YTD):
3.3134%
 
 
Headquarters:
Port Orchard
FDIC Field Office:
Seattle
Regulator:
FDIC
County:
Kitsap
# of Offices:
19
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

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

Now that the government is open again and the debt ceiling limit has been suspended until early February, short term bond rates have fallen back to normal levels. During this time long term bond rates barely moved higher and have since declined. Also during this time, short term CD rates, savings rates, and money market rates remained pretty much the same.
AmTrust Direct is offering some of the best savings account rates and money market account rates currently available. The bank’s current savings account  yield on their e-Savings Account is 1.00 percent for account balances between $1 and $99,999. The average savings account rate is less than half AmTrust's rate.
Teachers Federal Credit Union (TFCU) with branches throughout Long Island, New York, is advertising competitive CD rates. The credit union is offering regular certificates (certificates of deposit), jumbo certificates of deposit and IRA certificates of deposit.

Bank or Credit Union Offers and Deals

Marcus Bank Savings Rates: 1.20% APY [Nationwide]
Overcoming Overdrafts: Managing Your Finances to Eliminate Unnecessary Fees
Dime Direct 6 Month Certificate of Deposit Rate
Mortgage Interest Rate: Current Mortgage Rates Down This Week
Personal Savings Rate Higher on Lower Gas Prices
Mortgage Foreclosure Resources
Best Rates Available Still on Online Savings Accounts
Refinance Rates 10-8: Near Record Low 30 Year Refinance Rates at 4.06%
Highest Deposit Rates November 27, 2016
Today's Mortgage Rates Increase: 30 Year Conforming Mortgage Rates Averaging 3.46 Percent

Alternative Bank and Credit Union Offers to Explore

Best Savings Account Rates in New York, New York
Mortgage Rates 7/19: Mortgage Rates are Above Recent Lows
Capital One Money Market Account Rates + $500 Bonus
Low Mortgage Rates Won't Help Refinance Demand in 2012
Latest EverBank CD Rate Changes all Rates Higher
Banks and Credit Unions are Offering Prizes to Save Money in Savings Accounts
Mortgage Rates Increase This Week but Will Decline in the Coming Days
Returns on Certificates of Deposit Set to Increase
Synchrony Bank CD Rates
Merrick Bank CD Rates and Review

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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