Save for Tomorrow, Safely

When you’re naturally a spender, it’s not easy to be a saver. So if you want your saved money to be just out of reach and want to earn a higher rate too, a Certificate might be right for you.

A Certificate from Kitsap Credit Union lets you place funds in an account for a predetermined amount of time. Typically the longer your certificate term, the higher a rate of return you can expect.

Certificate Features
  • Terms ranging from 3 to 60 months.
  • Choose between Standard, Bump Rate, Add-On, and Jumbo Certificates.
  • Competitive dividends - earned monthly.
  • View your balance anytime via Online Banking and Mobile Banking.
  • Funds Federally Insured by NCUA.
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Limited-Time Offer: Earn 3.85% APY* on a 7-Month Certificate!

Transfer your savings where it's safe, sound, and secure.
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Which Certificate is Right For You?

  • Traditional Certificates

    Term APY*
    Share, Traditional & ROTH IRA Certificates

    $500 MINIMUM OPENING BALANCE
    3 Month Certificate 2.75%
    6 Month Certificate 3.00%
    7 Month Promo Certificate 3.85%
    12 Month Certificate 2.90%
    24 Month Certificate 2.75%
    36 Month Certificate 2.50%
    48 Month Certificate 2.50%
    60 Month Certificate 2.50%
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  • Bump & Add On Certificates

    Term APY*
    Bump & Add-On Certificates

    $500 MINIMUM OPENING BALANCE
    12 Month Bump Certificate 2.70%
    24 Month Add On Certificate 2.55%
    • Bump Rate Certificates allow for a dividend rate adjustment once during the initial term.
    • Add-On Certificates let you deposit more funds after opening the account.


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  • Jumbo Sized Certificates

    Term APY*
    Jumbo Certificates

    $100,000 MINIMUM OPENING BALANCE
    6 Month Jumbo Certificate 3.20%
    12 Month Jumbo Certificate 3.10%
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Rates and Terms

Stacking Savings with a Certificate Ladder

Certificates require money to be deposited for a set amount of time. While that may feel limiting, you can still have some access to your money with a technique called certificate laddering. This involves opening several certificates with staggered maturity dates. By doing this, you can take advantage of better interest rates when rates go up. If rates are falling, part of your certificate funds are still earning the higher rates that were available earlier. 

To create a certificate ladder, open a series of certificates with different maturity dates. For example, if you have $1,500 to put into certificates, you might invest $500 each in six-month, 12-month, and 24-month certificates. As each certificate matures, you have the option to use the money or let it renew.

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Disclosures

* APY = Annual Percentage Yield and is accurate as of 4/14/2025.

Definitions

Add-on: Additional deposits allowed

Bump: You may elect to adjust your dividend rate to a new fixed dividend rate based on the rate currently offered for this specific product term one time during the original term of the account, unless stated otherwise. 

7 month certificate: $500 minimum plus KCU checking account required to open account and earn APY. The checking account must be open, in good standing, and associated with the same account number. A penalty may be imposed for early withdrawal before maturity date. Refer to the Rate and Fee Schedule or contact the Credit Union for more information.

A penalty may be imposed for early withdrawal.