Credit union · NCUA insured
Kitsap Credit Union CD Rates
Kitsap Credit Union’s best CD rate is 3.60% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Kitsap Credit Union’s CD rates compare
Compared with banks and credit unions near Bremerton, WA, where Kitsap Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kitsap Credit Union
3.60%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $733
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
First Fed Bank
4.20%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $456
Kitsap Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo2.70%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Kitsap Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
10-Month Promotional Jumbo Certificate
3.60%APY · 1 term
Peak Account or Business Checking required. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsRequires Peak Account or Business Checking. $100,000 minimum opening balance | 3.60% | — |
Sources (1)
- kitsapcu.org/personal/certificates · captured Oct 4, 2026
Share Certificate
Up to 3.60%APY · 8 terms
Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 2.70% | $134 |
| 12 months | 3.00% | $300 |
| 18 months | 3.10% | $469 |
| 24 months | 3.60% | $733 |
| 36 months | 3.10% | $959 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.30% | $1,763 |
Sources (1)
- kitsapcu.org/personal/certificates · captured Oct 4, 2026
Jumbo Certificate
3.30%APY · 1 term
Requires $100,000 minimum opening balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.30% | — |
Sources (1)
- kitsapcu.org/personal/certificates · captured Oct 4, 2026
10-Month Promotional Certificate
3.25%APY · 1 term
Peak Account or Business Checking required. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsRequires Peak Account or Business Checking. $500 minimum opening balance | 3.25% | $270 |
Sources (1)
- kitsapcu.org/personal/certificates · captured Oct 4, 2026
Add-On Certificate
3.25%APY · 1 term
Allows additional deposits after opening the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAllows additional deposits | 3.25% | $661 |
Sources (1)
- kitsapcu.org/personal/certificates · captured Oct 4, 2026
Bump Rate Certificate
2.90%APY · 1 term
Allows for a dividend rate adjustment to a new fixed dividend rate based on the rate currently offered for this specific product term one time during the original term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAllows a one-time rate adjustment during the term | 2.90% | $290 |
Sources (1)
- kitsapcu.org/personal/certificates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 8 terms
Available as Traditional or Roth IRA certificates. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 2.70% | $134 |
| 12 months | 3.00% | $300 |
| 18 months | 3.10% | $469 |
| 24 months | 3.60% | $733 |
| 36 months | 3.10% | $959 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.30% | $1,763 |
Sources (3)
- kitsapcu.org/personal/certificates
- kitsapcu.org/personal/ira
- kitsapcu.org/personal/ira/ira-certificate
All captured Oct 4, 2026
Youth Saver Certificate
Up to 3.00%APY · 2 terms
Must be under age 21 to open. If under 18, must open with a parent or guardian in branch. Allows additional deposits at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust be under age 21 to open. Additional deposits permitted | 2.70% | $134 |
| 12 monthsMust be under age 21 to open. Additional deposits permitted | 3.00% | $300 |
Sources (1)
- kitsapcu.org/personal/youth · captured Oct 4, 2026
Who can join Kitsap Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in Washington State are eligible for membership.
- Individuals who work in Washington State are eligible for membership.
- Individuals who worship in Washington State are eligible for membership.
Military, government and schools
- Individuals who attend school in Washington State are eligible for membership.
Family and household
- Individuals who have immediate family who are Kitsap Credit Union members are eligible for membership.
Membership information collected October 4, 2026.