Why Peak Account Hits Different
- Earn 3.30% APY* on balances up to $15K – that’s real money back in your pocket.
- Get paid up to 2 days early – your paycheck, before payday.
- We refund up to $25 in nationwide ATM fees each month.**
- Mobile-first banking – check balances, pay bills, send money, and track goals right from your phone.
Banking Built for Your Goals
Whether you’re saving for a trip, building an emergency fund, or just trying to stay on top of bills, our tools help you:
- Set goals and track progress right from your phone.
- Transfer, deposit, and pay in seconds.
- Get insights into where your money’s going.
Start your Peak Account today and take control of your money from day one.
Community > Profit
When you bank with us, you’re supporting local causes like housing, hunger relief, and youth programs through our KCUCares Foundation. Your money helps strengthen the community you live in.
Simple to Join
You can become a member if you live, work, study, or worship in Washington State—or if a family member’s already a member. Once you’re in, you’re a member for life, no matter where you move.
Safe & Secure
Your funds are insured up to $250,000 by the NCUA, and we use advanced fraud protection to keep your info safe 24/7.
Disclosures
* APR = Annual Percentage Rate. APR is accurate as of 4/1/2026 and subject to change.
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.