For a limited time KCU at Home members can receive $150 Cash Back Bonus** when opened online.

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Your new Gold Checking account can pay you more than $645† the first year.

  • Earn 3.30% APY* on balances up to $15,000 and our standard rate on balances over $15,000.
  • No minimum balance requirements.
  • Free access to over 30,000 Nationwide CO-OP ATMS.
  • Easily manage your account through online and mobile banking - deposit checks, manage your card, and stay connected.
  • Send money with Zelle® - a fast, safe, and easy way to send money.

Save For What Matters

Certificates to help you get there.

Take Advantage of New Higher Rates. At Kitsap Credit Union, we’re powering life’s opportunities - to help you achieve what really matters. 

We have helped our members navigate through both good times and the challenging ones. And right now, with stock market volatility and economic uncertainties, many are going back to the basics. That means saving with people you can trust to help you achieve your dreams and new higher rates that help maximize your returns.

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* APY = Annual Percentage Yield. The APY is accurate as of 4/19/2024 and subject to change.


Monthly qualifications apply to earn stated rate, refer to Rate & Fee Schedule for more information. The qualification period is from the 1st day of the month until the last day of the month. Must meet Credit Union membership eligibility and account opening requirements. Minimum to open account is $25. High APY rate paid on balances between one penny and $15,000, and 0.05% APY paid on the portion of the balances above $15,000 each cycle the qualifications are met. If you do not meet the qualifications per cycle, your account will earn the Base Rate and will not receive ATM fee refunds for that period. 

Qualifications: (1) Have 12 or more in-person or online point of sale (POS) transactions or debit card purchases post and clear by close of business on the last day of the month (bill payments using debit card are excluded); (2) Sign up to receive account statements electronically (e-statements) by the last day of the month; and (3) receive a direct deposit, conduct an outgoing ACH transaction, or perform an online bill payment transaction to post and clear by close of business on the last day of the month. Available to personal accounts only and limited to one per Tax ID number.


To qualify for the KCU at Home cash bonus, (1) new Gold Checking account must be opened online at, (2) member must be in good standing, and (3) account must meet Gold Checking qualifications within the first 60 days of account opening. Bonus will be deposited into primary savings account on or before the 10th business day following the end of the 3rd month Gold Checking qualifications are met. Offer valid for 30 days from effective date and subject to change.