# Kitsap Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/kitsap-credit-union
Institution: Kitsap Credit Union (NCUA 68576)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:09.000Z (October 22, 2026)
Official source: https://kitsapcu.org/personal/certificates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share, Traditional & ROTH IRA Certificate | standard | 3 months | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 6 months | $500 | 2.70% | Not ZIP-priced | −1.70% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| 10-Month Promotional Jumbo Certificate | promotional | 10 months | $100,000 | 3.60% | Not ZIP-priced | −0.91% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| 10-Month Promotional Certificate | promotional | 10 months | $500 | 3.25% | Not ZIP-priced | −1.26% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| 12 Month Jumbo Certificate | standard | 12 months | $100,000 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 12 months | $500 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| 12 Month Bump Certificate | standard | 12 months | $500 | 2.90% | Not ZIP-priced | −1.67% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 18 months | $500 | 3.10% | Not ZIP-priced | −1.62% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 24 months | $500 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| 24 Month Add On Certificate | standard | 24 months | $500 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 36 months | $500 | 3.10% | Not ZIP-priced | −1.85% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 48 months | $500 | 3.20% | Not ZIP-priced | −1.78% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |
| Share, Traditional & ROTH IRA Certificate | standard | 60 months | $500 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-22T16:23:09.000Z | [Snapshot 377](https://apyledger.com/snapshots/377) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.