Reach the Peak of Your Possible
Enjoy 3.30% APY* on one of the highest earning checking accounts in the nation and see how we can change the way you think about checking account.
Experience an account that works with you, combining convenience and impressive earnings that's designed to better reflect the way we use our accounts today in the digital world.
Features Everybody Loves
- Can 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.
Owned by Members, Powered by Community
At Kitsap Credit Union, we’re not a bank—we’re a not-for-profit, member-owned financial cooperative. Since 1934, every dollar we earn has been reinvested to lower fees and loan rates, improve member services, and fund initiatives that strengthen our local community. When you join, you’re not just opening an account—you’re becoming an owner, with a voice in how your credit union is run.
Member Benefits:
- Lower loan rates and fewer fees because profits aren’t paid to shareholders
- Personalized financial guidance from people who put members first
- Earnings returned to members as dividends
- Community programs and investments that make a local impact
- A direct voice in credit union governance Less 17 minutes ago
Disclosures
* APY = Annual Percentage Yield. The APY is a variable rate and is accurate as of 10/22/2025 and subject to change after account opening.
PEAK ACCOUNT MONTHLY QUALIFICATIONS**
Monthly qualifications apply to earn stated rate, refer to Rate & Fee Schedule for more information. $25 minimum deposit required to open account and fees may reduce earnings. The qualification period runs from the 1st day of the month until the last day of the month. Qualified Rate for Peak Account is 3.30% APY on the first $15,000, 0.05% APY on remaining balances. If qualifications are not met, the account earns the Non-Qualifying Base Rate of 0.00% APY and is not eligible for ATM fee refunds for that qualification period.
Monthly qualifications: (1) Complete 12 or more in-person or online point-of-sale (POS) transactions or debit or credit card purchases (excluding recurring payments set up on the debit or credit card) that post and clear by close of business on the last day of month. Qualifying credit card transactions must be made with a credit card that is under the same Primary Membership Account as the Peak Account; (2) Sign up for electronic account statements (e-statements) by the last day of the month; and (3) Complete a qualifying Electronic Transaction that posts by the last day of the month: Receive a direct deposit, conduct an outgoing ACH transaction, or perform an online payment using our Bill Pay service. Peak Account is available for personal accounts only and is 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.