How to Redeem Your BMTC Benefits
In Branch:
Visit any KCU branch and let us know you’re a BMTC union member—or bring this page—and we’ll apply your benefits during account opening.
Online:
Apply online and enter Promo Code: BMTC when prompted.
Looking to become a Kitsap Credit Union member?
Become a member for personalized, local support—Apply Online.
Here’s What You Get as a BMTC member1
Home Equity Fixed: 0.25% rate reduction on qualifying Home Equity Fixed based on the member’s approved rate* Learn More
Auto Loans: 0.25% rate reduction on qualifying auto, boat, and recreational vehicle loans, based on the member’s approved rate* Learn More
Mortgage: Appraisal fee reimbursed at closing on first mortgages with Kitsap Credit Union through our partnership with Members First Mortgage Learn More
Certificates: +0.25% rate increase on new personal Certificate** Learn More
1When applying online, enter Promo Code: BMTC when prompted or visit any KCU branch and let us know you’re a BMTC union member.
Why These Benefits Matter
- Lower rates mean more money in your pocket.
- Higher returns help your savings grow faster.
- Simple redemption - just tell us you're a BMTC union member.
Important Details
- New Accounts Only: Auto Loan discounts apply to direct loans obtained through Kitsap Credit Union.
- Not Retroactive: Existing accounts and loans are not eligible.
- Certificate Renewals: Share certificate renewals receive the same +0.25% rate increase as new certificates. Youth, IRA, and promotional certificates are not eligible for rate increase.
- Eligibility: Must be an active BMTC union member.
- Account Coverage: Benefits apply to all eligible Kitsap Credit Union accounts tied to the member - primary or joint relationships.
Ready to take advantage of your BMTC perks?
Looking to become a Kitsap Credit Union member?
Become a member for personalized, local support—Apply Online.
Disclosures
**
APR = Annual Percentage Rate and APY = Annual Percentage Yield. APR & APY are accurate as of 3/6/2026.
Available to eligible BMTC union members. Membership eligibility with Kitsap Credit Union required. All loans subject to credit approval. Additional terms and conditions apply.
*Vehicle loans must be originated directly through Kitsap Credit Union, either in branch or through our online loan portal. Interest rate discounts apply to the member’s approved risk-based rate at the time of origination, based on creditworthiness and qualification, and are subject to minimum rate floors established by Kitsap Credit Union.
**Appraisal fee reimbursement applies to eligible first mortgage loans originated with Kitsap Credit Union or Member First Mortgage.
***APY varies by certificate term.