What are the current interest rates at Kitsap Credit Union?

Current rates for Kitsap Credit Union include: 12-Month CD: 2.90%, 18-Month CD: 3.10%, 24-Month CD: 3.25%, 60-Month CD: 3.30%, MMA: 0.50%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Kitsap Credit Union

iAdvertiser Disclosure

Kitsap Credit Union Rates & Review September 2026

Q: How many branches does Kitsap Credit Union operate?

Kitsap Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Kitsap Credit Union?

Yes, to access services at Kitsap Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Kitsap Credit Union 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kitsap Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Kitsap Credit Union's 10-Month Promotional Jumbo CD rates are at 3.60%, 24-Month CD rates are at 3.60%, Share, Traditional & ROTH IRA CDs - 24 Month CD rates are at 3.60%, 12 Month Jumbo CD rates are at 3.30%, Share, Traditional & ROTH IRA CDs - 60 Month CD rates are at 3.30%. Kitsap Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Kitsap Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.84%. Rates last updated and verified on 09/22/2026.

Kitsap Credit Union 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 Credit Union? Share your experience about Kitsap Credit Union by leaving a review below, or read customer reviews before you decide to use Kitsap Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.84%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Kitsap Credit Union
Corporate Office

155 Washington Ave
Bremerton, WA 98337-5606

https://www.kitsapcu.org

Kitsap Credit Union CD Rates

Product	Rate	APY	Term
10-Month Promotional Jumbo Certificate	-	3.60%	10-Month
Min Deposit $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
24-Month Certificate	-	3.60%	24 months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 24 Month Certificate	-	3.60%	24 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
12 Month Jumbo Certificate	-	3.30%	12 Month
Min Balance $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 60 Month Certificate	-	3.30%	60 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
10-Month Promotional Certificate	-	3.25%	10-Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
24 Month Add On Certificate	-	3.25%	24 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 48 Month Certificate	-	3.20%	48 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 18 Month Certificate	-	3.10%	18 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 36 Month Certificate	-	3.10%	36 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Business 6 Month Jumbo Certificate	-	3.00%	6 Month
Min Balance $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 12 Month Certificate	-	3.00%	12 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
12 Month Bump Certificate	-	2.90%	12 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 6 Month Certificate	-	2.70%	6 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Share, Traditional & ROTH IRA Certificates - 3 Month Certificate	-	2.50%	3 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

Kitsap Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	-	3.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: > $1,000,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Premium Money Market	-	2.85%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Premium Money Market	-	2.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Premium Money Market	-	2.60%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Premium Money Market	-	2.40%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Premium Money Market	-	2.00%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	1.40%
Min Deposit $1,000 Min Balance $1,000,000 Details Money Market > $1 million; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	1.25%
Min Deposit $1,000 Min Balance $500,000 Details Money Market $500k - $999,999.99; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	1.10%
Min Deposit $1,000 Min Balance $250,000 Details Money Market $250k - $499,999.99; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	1.00%
Min Deposit $1,000 Min Balance $100,000 Details Money Market $100k - $249,999.99; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	0.75%
Min Deposit $1,000 Min Balance $50,000 Details Money Market $50k - $99,999.99; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Premium Money Market	-	0.65%
Min Deposit $2,500 Min Balance $1,000 Details Balance: $1,000 - $14,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	0.50%
Min Deposit $1,000 Min Balance $1,000 Details Money Market $1k - $9,999.99; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	-	0.50%
Min Deposit $1,000 Min Balance $10,000 Details Money Market $10k - $49,999.99; $1,000 minimum opening deposit. $1,000 minumum AVERAGE DAILY BALANCE to earn dividends & AVOID FEES Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

Kitsap Credit Union Other Rates

Product	Rate	Points	APY/APR
Peak Account	-	-	3.30%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 12 or more in-person or online point-of-sale (POS) transactions or debit or credit card purchases (excluding recurring payments set up on the debit or credit card) that post and clear by close of business on the last day of month; Sign up for electronic account statements (e-statements) by the last day of the month; Complete a qualifying Electronic Transaction that posts by the last day of the month: Receive a direct deposit, conduct an outgoing ACH transaction, or perform an online payment using our Bill Pay service.; Qualified Rate for Peak Account is 3.30% APY on the first $15,000, 0.05% APY on remaining balances. Free eStatements: Required to earn dividends. Access to 30k+ free ATMs nationwide. Up to $25 of nationwide ATM fees refunded every month. Early access to direct deposit funds. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Peak Account	-	-	0.05%
Min Deposit $25 Min Balance $15,000 Details Qualifications Required: 12 or more in-person or online point-of-sale (POS) transactions or debit or credit card purchases (excluding recurring payments set up on the debit or credit card) that post and clear by close of business on the last day of month; Sign up for electronic account statements (e-statements) by the last day of the month; Complete a qualifying Electronic Transaction that posts by the last day of the month: Receive a direct deposit, conduct an outgoing ACH transaction, or perform an online payment using our Bill Pay service.; Qualified Rate for Peak Account is 3.30% APY on the first $15,000, 0.05% APY on remaining balances. Free eStatements: Required to earn dividends. Access to 30k+ free ATMs nationwide. Up to $25 of nationwide ATM fees refunded every month. Early access to direct deposit funds. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kitsap Credit Union’s Texas Ratio fell from 6.42% in Q2 2023 to 5.84% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.5B	5.84%	5.0	A+
December 31, 2025	$2.5B	6.30%	5.0	A
September 30, 2025	$2.4B	6.15%	5.0	A
June 30, 2025	$2.3B	7.39%	5.0	A
March 31, 2025	$2.3B	6.72%	5.0	A
December 31, 2024	$2.3B	7.40%	5.0	A
September 30, 2024	$2.3B	7.04%	5.0	A
June 30, 2024	$2.3B	6.38%	5.0	A
March 31, 2024	$2.4B	5.98%	5.0	A+
December 31, 2023	$2.4B	7.91%	5.0	A
September 30, 2023	$2.3B	7.17%	5.0	A
June 30, 2023	$2.4B	6.42%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kitsap Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kitsap Credit Union 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kitsap Credit Union

Website https://www.kitsapcu.org

Address 155 Washington Ave, Bremerton, WA 98337-5606

Phone 360-662-2000

Fax 360-479-4373

President Mike Goonewardene

CEO Shawn Gilfedder

Full-Time Employees 329

Part-Time Employees 9

Branch Locations 14

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.84%

Return on Assets (ROA)

0.0689%

Return on Equity (ROE)

0.8393%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

2,520,630,304

Total Amount of Shares and Deposits

2,279,511,471

Total Shares and Deposits < 1 Year

2,255,961,737

Total Shares and Deposits 1 3 Years

21,799,450

Total Shares and Deposits > 3 Years

1,750,283

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

185,695,311

Total Uninsured Shares and Deposits > $250K (F+J)

185,695,311

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,093,816,160

Total Interest Expense (Sum of items 6 8)

13,915,582

Share Certificates

17,617

Number of Accounts for Share Drafts

79,833

IRA KEOGH Accounts

3,269

Number of Accounts for Regular Shares

87,142

All other shares

Money Market Shares

15,141

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

138,969,915

Total Liabilities

2,364,157,017

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Kitsap Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/kitsap-credit-union-rates-review-68576">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Kitsap Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Kitsap Credit Union

Frequently Asked Questions About Kitsap Credit Union

How many branches does Kitsap Credit Union operate?

Kitsap Credit Union 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 a member application needed to join Kitsap Credit Union?

Yes, to access services at Kitsap Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kitsap Credit Union 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kitsap Credit Union offer online and mobile banking?

Most modern institutions like Kitsap Credit Union 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.kitsapcu.org.