Credit union · NCUA insured
Peninsula Credit Union Savings Rates
Peninsula Credit Union’s best savings rate is 0.35% APY on $10,000, with its Shares Plus – Money Market Account. Rates checked October 22, 2026.
How Peninsula Credit Union’s savings rates compare
Compared with banks and credit unions near Bremerton, WA, where Peninsula Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peninsula Credit Union
0.35%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $35
Shares Plus – Money Market Account
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
Peninsula Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.35%
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 Peninsula 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.
Shares Plus – Money Market Account
0.35%APY
To earn a dividend, average daily balance must be $2,500 or higher. If average daily balance is below $2,500 no dividends are earned. Deposits and in-person withdrawals are unlimited. Shares Plus checks are limited to six clearing account per month, with a minimum of $500 per check.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Dividends declared and paid monthly and calculated on average daily balance. | 0.30% | — | Dividends declared and paid monthly and calculated on average daily balance. |
| $10,000 – $25,000Dividends declared and paid monthly and calculated on average daily balance. | 0.35% | $35 | Dividends declared and paid monthly and calculated on average daily balance. |
| $25,000 – $50,000Dividends declared and paid monthly and calculated on average daily balance. | 0.45% | — | Dividends declared and paid monthly and calculated on average daily balance. |
| $50,000 – $100,000Dividends declared and paid monthly and calculated on average daily balance. | 0.65% | — | Dividends declared and paid monthly and calculated on average daily balance. |
| $100,000 and upDividends declared and paid monthly and calculated on average daily balance. | 0.75% | — | Dividends declared and paid monthly and calculated on average daily balance. |
Save to Win Savings
0.05%APY
Second chance prize-linked savings account. Available only to members age 18 and above. Minimum $25 opening balance. Each $25 saved earns entries into prize drawings (up to 10 entries per month). Dividends declared/paid monthly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvailable only to members age 18 and older. Average daily balance must be $100 or higher to earn dividends.$100 and up | 0.05% | $5 | Available only to members age 18 and older. Average daily balance must be $100 or higher to earn dividends. |
Special-purpose accounts
Basic Savings IRA
0.20%APY
Individual Retirement Account savings options including Traditional IRA, Roth IRA, and Coverdell Educational Savings Accounts. $12 annual IRA fee applies. Dividends declared and paid monthly and calculated on the average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Dividends calculated on average daily balance, declared and paid monthly. $12 annual fee.Any balance | 0.20% | $20 | No minimum balance. Dividends calculated on average daily balance, declared and paid monthly. $12 annual fee. |
Sources (3)
All captured Sep 15, 2026
Basic Savings
0.05%APY
Peninsula Credit Union membership account. Requires a $5 balance to open and maintain. Dividends calculated on average daily balance and declared/paid monthly. Balance must be $100 or higher ($5 for members under 18) to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance must be $100 or higher to earn dividends ($5.00 for accounts held by members under 18 years of age). Below this balance, no dividends are earned.$100 and up | 0.05% | $5 | Average daily balance must be $100 or higher to earn dividends ($5.00 for accounts held by members under 18 years of age). Below this balance, no dividends are earned. |
Sources (3)
All captured Sep 15, 2026
Christmas Club
0.05%APY
Special savings account to help save towards a goal. Dividends calculated on average daily balance and declared/paid monthly. Minimum $5.00 required to open and maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance must be $100 or higher to earn dividends ($5.00 for members under 18). Below this balance, no dividends are earned.$100 and up | 0.05% | $5 | Average daily balance must be $100 or higher to earn dividends ($5.00 for members under 18). Below this balance, no dividends are earned. |
Scottie Savers Club
0.05%APY
Savings account for children age 12 or younger. Kids earn Scottie Bucks for deposits/birthdays redeemable for prizes. $5 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFor accounts held by those under 18 years of age, dividends are earned on average daily balance of $5.00 or higher.$5 and up | 0.05% | $5 | For accounts held by those under 18 years of age, dividends are earned on average daily balance of $5.00 or higher. |
Who can join Peninsula Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor counties.
Family and household
- Membership is open to family members of a current member.
Cost to join
- A minimum opening deposit of $5 is required to join.
Membership information collected October 4, 2026.