Credit union · NCUA insured
Kitsap Credit Union Savings Rates
Kitsap Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Kitsap Credit Union’s savings 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
0.65%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $65
Premium Money Market
Top rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
First Fed Bank
3.45%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $345
Kitsap Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.65%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market
0.65%APY
New money required (waived for existing funds held in maturing KCU certificates when deposited into a new Premium Money Market Account). Requires a Peak Checking or Business Checking account. Limited to one account per Tax ID.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $15,000New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 0.65% | $65 | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
| $15,000 – $50,000New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 2.00% | — | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
| $50,000 – $100,000New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 2.40% | — | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
| $100,000 – $250,000New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 2.60% | — | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
| $250,000 – $500,000New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 2.75% | — | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
| $500,000 – $1,000,000New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 2.85% | — | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
| $1,000,000 and upNew money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. | 3.00% | — | New money required (waived for maturing KCU certificate funds). Requires Peak Checking or Business Checking account. Limited to one account per Tax ID. |
Sources (3)
- kitsapcu.org/personal/money-ma…b172b97a84bf03cc7a08ac07
- kitsapcu.org/personal/money-market
- kitsapcu.org/personal/money-market/pmm
All captured Oct 4, 2026
Money Market Account
0.50%APY
Variable rate. $1,000 minimum average daily balance to earn dividends and avoid monthly fee. $10.00 monthly fee is waived if average daily balance of $1,000 or higher is maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 0.50% | — | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
| $10,000 – $50,000Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 0.50% | $50 | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
| $50,000 – $100,000Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 0.75% | — | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
| $100,000 – $250,000Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 1.00% | — | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
| $250,000 – $500,000Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 1.10% | — | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
| $500,000 – $1,000,000Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 1.25% | — | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
| $1,000,000 and upRequires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. | 1.40% | — | Requires $1,000 minimum average daily balance to earn dividends. $10 monthly fee waived with average daily balance of $1,000 or higher. |
Sources (2)
All captured Oct 4, 2026
Other Savings
0.03%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum opening balance and $25 minimum average daily balance to earn dividends.$25 and up | 0.03% | $3 | $25 minimum opening balance and $25 minimum average daily balance to earn dividends. |
Sources (1)
- kitsapcu.org/personal/savings-…eacb67a8cfd05df6e1f1e527 · captured Oct 22, 2026
Primary Savings
0.03%APY
Primary share savings account provided with Kitsap Credit Union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum average daily balance to earn dividends.$25 and up | 0.03% | $3 | $25 minimum average daily balance to earn dividends. |
Sources (3)
- kitsapcu.org/personal/savings-…eacb67a8cfd05df6e1f1e527
- kitsapcu.org/personal/savings
- kitsapcu.org/personal/savings/regular-share-savings
All captured Oct 22, 2026
Special-purpose accounts
IRA Accounts
0.50%APY
Offers Traditional IRA and Roth IRA wrappers with shared rates and terms.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upVariable rate accurate as of 10/22/2026. $5 minimum opening balance, $5 minimum average daily balance to earn dividends, and no minimum for transfers. Applies to Traditional and Roth IRAs.$5 and up | 0.50% | $50 | Variable rate accurate as of 10/22/2026. $5 minimum opening balance, $5 minimum average daily balance to earn dividends, and no minimum for transfers. Applies to Traditional and Roth IRAs. |
Sources (4)
- kitsapcu.org/personal/ira-rates
- kitsapcu.org/personal/ira
- kitsapcu.org/personal/ira/roth-ira
- kitsapcu.org/personal/ira/traditional-ira
All captured Oct 22, 2026
Holiday Savings
0.03%APY
Special savings account for holiday/year-end expenses. Balance automatically transfers to designated checking account on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum opening balance and $25 minimum average daily balance to earn dividends.$25 and up | 0.03% | $3 | $25 minimum opening balance and $25 minimum average daily balance to earn dividends. |
Kids Club Savings
0.03%APY
Available to children age 12 and under. Requires a parent, guardian, or responsible adult co-owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum average daily balance to earn dividends. No minimum opening balance. No monthly service fee.$5 and up | 0.03% | $3 | $5 minimum average daily balance to earn dividends. No minimum opening balance. No monthly service fee. |
Launch! Savings
0.03%APY
Available to teens ages 13–17 who live, work, worship, or attend school in Washington state. Requires parent or guardian co-owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum average daily balance to earn dividends. No monthly service fee.$25 and up | 0.03% | $3 | $25 minimum average daily balance to earn dividends. No monthly service fee. |
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.