Kitsap Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Kitsap Credit Union's highest tracked CD (share certificate) rate is 3.60% APY on a 10-month promotional CD ($100,000 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.60% APY.
Tracking began .
Kitsap Credit Union CD & share certificate rates
Membership required. Standard, Bump and Add On certificates ($500 minimum), jumbo certificates ($100,000) and 10-month promotional certificates; the promotion requires a Peak Account or Business Checking. Business certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | Share, Traditional & ROTH IRA Certificate | 2.50%Top 63% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Share, Traditional & ROTH IRA Certificate | 2.70%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 10 months | 10-Month Promotional Jumbo Certificate Promotional | 3.60%Verified October 22, 2026 |
| 10 months | 10-Month Promotional Certificate Promotional | 3.25%Verified October 22, 2026 |
| 12 months | 12 Month Jumbo Certificate | 3.30%Top 66% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Share, Traditional & ROTH IRA Certificate | 3.00%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12 Month Bump Certificate | 2.90%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Share, Traditional & ROTH IRA Certificate | 3.10%Top 69% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Share, Traditional & ROTH IRA Certificate | 3.60%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24 Month Add On Certificate | 3.25%Top 61% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Share, Traditional & ROTH IRA Certificate | 3.10%Top 57% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Share, Traditional & ROTH IRA Certificate | 3.20%Top 48% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Share, Traditional & ROTH IRA Certificate | 3.30%Top 48% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.60% APY (10 months). The standard rate for a similar term is 3.30% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $30 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Kitsap Credit Union's best CD rates by term?
Kitsap Credit Union's best rate is 3.60% APY on 10 months, verified October 22, 2026.
- 3 mo2.50%
- 6 mo2.70%
- 10 mo3.60%
- 12 mo3.30%
- 18 mo3.10%
- 24 mo3.60%
- 36 mo3.10%
- 48 mo3.20%
- 60 mo3.30%
How much interest could a Kitsap Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$269.96 interest · $10,269.96 at maturity on $10,000.00.
3.25% APY · 10 months · 10-Month Promotional Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $30.882.50% APY · Share, Traditional & ROTH IRA Certificate · Standard | $61.752.50% APY · Share, Traditional & ROTH IRA Certificate · Standard | $154.382.50% APY · Share, Traditional & ROTH IRA Certificate · Standard | $308.762.50% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 6 months | $67.242.70% APY · Share, Traditional & ROTH IRA Certificate · Standard | $134.472.70% APY · Share, Traditional & ROTH IRA Certificate · Standard | $336.182.70% APY · Share, Traditional & ROTH IRA Certificate · Standard | $672.352.70% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 10 months | $134.983.25% APY · 10-Month Promotional Certificate · Promotional | $269.963.25% APY · 10-Month Promotional Certificate · Promotional | $674.903.25% APY · 10-Month Promotional Certificate · Promotional | $1,349.793.25% APY · 10-Month Promotional Certificate · Promotional |
| 12 months | $150.003.00% APY · Share, Traditional & ROTH IRA Certificate · Standard | $300.003.00% APY · Share, Traditional & ROTH IRA Certificate · Standard | $750.003.00% APY · Share, Traditional & ROTH IRA Certificate · Standard | $1,500.003.00% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 18 months | $234.513.10% APY · Share, Traditional & ROTH IRA Certificate · Standard | $469.023.10% APY · Share, Traditional & ROTH IRA Certificate · Standard | $1,172.563.10% APY · Share, Traditional & ROTH IRA Certificate · Standard | $2,345.123.10% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 24 months | $366.483.60% APY · Share, Traditional & ROTH IRA Certificate · Standard | $732.963.60% APY · Share, Traditional & ROTH IRA Certificate · Standard | $1,832.403.60% APY · Share, Traditional & ROTH IRA Certificate · Standard | $3,664.803.60% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 36 months | $479.563.10% APY · Share, Traditional & ROTH IRA Certificate · Standard | $959.133.10% APY · Share, Traditional & ROTH IRA Certificate · Standard | $2,397.823.10% APY · Share, Traditional & ROTH IRA Certificate · Standard | $4,795.643.10% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 48 months | $671.383.20% APY · Share, Traditional & ROTH IRA Certificate · Standard | $1,342.763.20% APY · Share, Traditional & ROTH IRA Certificate · Standard | $3,356.903.20% APY · Share, Traditional & ROTH IRA Certificate · Standard | $6,713.813.20% APY · Share, Traditional & ROTH IRA Certificate · Standard |
| 60 months | $881.283.30% APY · Share, Traditional & ROTH IRA Certificate · Standard | $1,762.553.30% APY · Share, Traditional & ROTH IRA Certificate · Standard | $4,406.383.30% APY · Share, Traditional & ROTH IRA Certificate · Standard | $8,812.773.30% APY · Share, Traditional & ROTH IRA Certificate · Standard |
How Kitsap Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 18 of 26 tracked institutions with fresh 304-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Kitsap Credit Union (this institution)10-Month Promotional Jumbo Certificate · Promotional | 10 months | $100,000 | Coverage: WA | 3.60% | October 22, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.51% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Kitsap Credit Union on October 22, 2026.
About Kitsap Credit Union
- Legal name
- Kitsap Credit Union
- Regulator ID
- NCUA 68576
- Headquarters
- Bremerton, WA
- Available in
- WA
- Total assets
- $2.5 billion
- Also known as
- Website
- www.kitsapcu.org
Source: rates read from https://kitsapcu.org/personal/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Kitsap Credit Union?
Among the rates we track, 3.60% APY on a 10-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Kitsap Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Kitsap Credit Union's best CD rate compare with Treasury yields?
3.60% APY is −0.91% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.60% a good CD rate?
It is 2.0 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Kitsap Credit Union CDs insured?
Kitsap Credit Union is a federally insured credit union (NCUA 68576). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Kitsap Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Kitsap Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Kitsap Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Kitsap Credit Union before opening an account. This page is not financial advice.