Your Goals, Our Gold Checking
Apply NowFeatures Everybody Loves
- Earn more than $495 every year!**
- 3.30% APY* on balances up to $15,000, standard APY on balances over $15,000.
- Up to $25 of nationwide ATM fees refunded.**
- Get paid up to 2 days early.***
- Access to 30,000 no-fee ATMs Nationwide through the CO-OP Network.
- Fast, secure, and free online and mobile banking.
Free Online and Mobile Banking
Access your finances anytime, anywhere with 24/7 access to tools to help manage your finances and help you keep track of your goals.
- Free Bill Pay
- Online Statements
- Card Management Tools
- Mobile Check Deposit
- Send and Receive Money with Zelle®
Money Management
Money Management is a free tool in Online Banking and our Mobile App that makes it easier than ever to visualize and interact with your money. You’ll gain powerful insights on when, where, and how you spend providing you with the tools to simplify your finances.
- See all your accounts in one place
- View spending
- Set and manage budgets
- Visualize your financial goals
Unlock your Gold Checking Benefits in 3 Easy Steps!
Take these 3 simple steps to achieving your goals.
Complete 12 Transactions
Sign Up for eStatements
Receive Direct Deposit
Track Your Gold Checking Status with Ease
To make it easy to view your Gold Checking Status and keep track of the qualifiers needed to enjoy the benefits of your account, use our convenient tracking widget available in Online Banking and our Mobile app.
How to View Your Gold Checking Status:
1. Online Banking:
- Login to your account.
- Look for the Gold Checking Status on your account dashboard.
2. Mobile App:
- Login to your account.
- Click on "More."
- Select "Gold Checking Status" from the icons at the top.
Goal Builder
Free within Online Banking and our Mobile App, Goal Builder allows you to set up, manage, and track progress toward multiple savings goals – all under one account.
Here’s how it works:
- Set up your goals: Select from 10 goal categories (or create your own)
- Designate money: Set up one-time or automatic, recurring designations
- Track progress: View and manage your goals in one place
- Improve your financial health: Watch your money grow
Helping Achieve Your Goals for Over 90 Years
Here at Kitsap Credit Union, we believe teamwork is key to helping you achieve your goals. Since 1934, we’ve been partnering with our members to provide the tools, guidance, and expertise needed to turn challenges into opportunities and make financial dreams a reality. We'd love to do the same for you.
Disclosures
* APY = Annual Percentage Yield. The APY is accurate as of 2/5/2025 and subject to change.
GOLD CHECKING MONTHLY QUALIFICATIONS**
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.
EARLY ACCESS TO DIRECT DEPOSIT***
Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.