Become A Member

Why Choose Kitsap Credit Union?

At Kitsap Credit Union, we cherish the sense of community and connection that comes with membership. As a not-for-profit, member-owned cooperative, our priority is your financial wellbeing. Unlike banks that focus on generating profits for shareholders, we reinvest our earnings back into our members through dividends, lower loan rates, and reduced fees.

We recognize that managing personal finances involves more than just handling deposits and loans. That's why we offer a comprehensive range of financial services designed to support our members' diverse needs. Enjoy personalized service, community involvement, and the opportunity to have a say in how your credit union operates.

Become A Member

Membership Benefits:

Competitive rates and lower fees Big banks often come with big fees, but that’s not the case here. At Kitsap Credit Union, we’re a not-for-profit, which means we’re built to serve our members, not shareholders. That allows us to offer lower fees and better rates on things like loans, credit cards, and savings accounts. It’s a smarter, more affordable way to manage your money without the extra costs.	Tailored financial advice and support At Kitsap Credit Union, our staff are real people who understand the everyday financial challenges you face, because they’ve been there too. They take the time to listen, learn about your goals, and offer guidance that’s practical, thoughtful, and tailored to your life. It’s personalized support from people who genuinely care about helping you succeed.
Earnings returned to members as dividends At Kitsap Credit Union, being a member means you’re more than just a customer—you’re a part-owner. When the credit union earns money, we don’t send profits to outside investors. Instead, we share a portion of those earnings with our members through dividends. Think of it like a reward for saving with us, extra money added to your account just for keeping your funds here. It’s a simple way we invest back into your financial future.	Initiatives that benefit the local community At Kitsap Credit Union, giving back isn’t just something we do—it’s part of who we are. Through our KCUCares Foundation, we support local nonprofits focused on housing, hunger, and financial education. We partner with organizations like Bremerton Foodline, Habitat for Humanity, and The Coffee Oasis to create lasting impact. You’ll also find us out in the community at events like Shred Fest, where we offer free document shredding and collect donations for local causes.
A voice in the credit union's governance Whether you’re saving for the short term with a savings account, growing your funds with a money market account, or planning for retirement with an Individual Retirement Account (IRA), your money works harder here. Dividends are our way of rewarding you, extra earnings added to your account just for keeping your funds with us. It’s a simple, powerful way we invest back into your financial future.

Learn more about the advantages of being a Kitsap Credit Union member here.

Become A Member

Digital-First Banking

Stay connected to your money anytime, anywhere with our Online and Mobile Banking services! Whether you're planning your financial goals, paying bills, or making purchases with your mobile wallet, we've got you covered. Our innovative tools are designed to make your life easier in the digital age. Imagine tracking your spending, setting up automatic payments, and managing your finances effortlessly—all from the palm of your hand. We're constantly adding new features to ensure you have the best experience possible. Learn More

Become A Member

Service that Puts You First

At Kitsap Credit Union, you’re more than just a member. Our dedicated team of experts is here to help you with all your financial needs, whether in-person or online. Planning for the future? Managing your present? We've got your back every step of the way. We offer personalized advice and solutions tailored just for you. Our commitment to exceptional service means you can count on us to be there when you need us, providing the expertise and care you deserve. Your financial wellbeing is our top priority!

Schedule an Appointment Today

Security that Doesn’t Quit

Your peace of mind is our mission at Kitsap Credit Union. Rest easy knowing your personal accounts are insured up to $250,000 by the NCUA. We provide continuous fraud monitoring and robust member protections to keep your finances secure around the clock. We've implemented advanced security measures like multi-factor authentication, real-time alerts, and encryption to ensure that your information is always safe with us. Trust and reliability are at the heart of what we do, ensuring your financial assets are protected every step of the way.

Become A Member

Community Above Profit

At Kitsap Credit Union, we believe in the power of community. Our commitment goes beyond financial services; we actively engage in community building and advocacy. We support local initiatives, provide educational resources, and foster connections that strengthen our community. Together, we can create a brighter future for everyone. By choosing Kitsap Credit Union, you’re not just securing your financial future—you’re contributing to the wellbeing of our community. Let's grow and thrive together, making a positive impact every day.

KCU Cares