4.50% APY* Certificate

23-Month Term | Limited Time Offer

Take a Break. Let Your Savings Do The Work.

With Kitsap Credit Union's 23 Month Certificate, you can lock in a competitive fixed rate and watch your savings grow with confidence. No daily market swings. No guesswork. Just a guaranteed return and the peace of mind that comes from knowing exactly what your money will earn.
  • Fixed 4.50% APY on a 23-month term
  • Requires a checking account
  • Requires $10k new money
  • Insured by NCUA up to applicable limits
  • Only $10k new money required, balances beyond that can be existing funds
Addendum
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A Smarter Way to Grow Your Savings

Whether you're protecting a portion of your retirement savings, planning for a future purchase, or simply looking for a dependable place to put your money, a certificate can help you earn more while keeping your funds secure.

Instead of worrying about market ups and downs, you can enjoy a guaranteed rate for the full term.

Why Open a Certificate?

  • Predictable Growth: Your rate is fixed for the entire 23‑month term, so you'll know exactly what you're earning.
  • Low-Risk Saving: Certificates offer a secure way to grow your savings without exposure to market volatility.
  • Easy to Open: Open your certificate online in just a few minutes.
  • Competitive Returns: Put your savings to work with one of our strongest certificate offers available.

Addendum

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Disclosures

* APY = Annual Percentage Yield. The promotional APY is accurate as of 10/23/2026, is a limited time offer and subject to change.

23 month certificate: $10,000 new money minimum and checking account required to open the account. New money requirement: New money is defined as funds not currently held in deposit accounts at Kitsap Credit Union, unless made within the last 15 days. Checking Account requirements: The checking account must be open, in good standing, and associated with the same member account number A penalty may be imposed for early withdrawal before the maturity date. Refer to the Rate and Fee Schedule or contact the Credit Union for more information.