Competitive 5-Year CD at Kitsap Credit Union in Washington State


1.36%$500-Kitsap Credit Union5 Year Share Certificate
1.06%$500-Kitsap Credit Union5 Year Bump Share Certificate
Accounts mentioned in this post. Rates as of October 21, 2016.

Kitsap Credit Union just lowered its CD rates, but its 5-year CD remains competitive. It has a 2.05% APY for a $500 minimum deposit. It's available as both regular and IRA CDs. The early withdrawal penalty is 180 days dividends. There's also a 5-year bump CD, but the rate is much lower at 1.75% APY. These rates are listed in the credit union's share certificates page as of 4/03/2012. The details of the early withdrawal penalty are in the credit union's fees page.

Reward Checking Account

Kitsap Credit Union also offers a reward checking account called Gold Checking. It pays 2.50% APY on balances up to $10K (as of 4/03/2012). The monthly requirements include 12 debit card purchases, 1 direct deposit (or automatic payment or bill payment) and e-statements. Please refer to the credit union's Gold Checking page for more details.

Membership & Application

Credit union membership is open to anyone or lives, works, attends school or worships in Washington State. You can also be eligible to join if you have a family member who lives, works, attends school, or worships in Washington State. Please refer to the credit union membership page for more details. Membership requires a minimum $5 balance in the regular share savings account.

There's an online application via that allows people to join and open accounts online. In the second page of the application, you can select how you qualify for membership including the option if you have a family member who lives in Washington State.

Credit Union Overview

Kitsap Credit Union branches are located west of Seattle in the cities of Bainbridge Island, Belfair, Bremerton, Gig Harbor, Keyport, Kingston, Port Orchard, Poulsbo and Silverdale.

The credit union has an overall health score at of 4 stars (out of 5) with a Texas Ratio of 18.91% (average) based on December 2011 data. Please refer to our financial overview of Kitsap Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 68576).

How This CD Rate Compares

If you live in the Seattle area, the best deal is currently at Wings Financial Credit Union which is offering a 2.22% APY 5-year CD.

The best 5-year CD rate that's nationally available is 2.27% APY at Melrose Credit Union.

These rates are accurate as of 4/03/2012.

Searching for Top CD Rates

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of


6.00% 13-Month CD at a Washington State CU (Quimper Community)
Quimper Community FCU is offering a 6.00% APY 13-month certificate. The minimum deposit is $5,000, and new money is required.

The field of membership includes those who live, worship, work or attend school in Clallam and Jefferson Counties. Branches are located in Port Townsend and Port Hadlock, Washington.

The credit union is NCUA insured. It has $32 million in assets and 6,312 members.

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