Checking that pays up to 3.30% APY, cards with no annual fee, and local people who pick up the phone. Member-owned in Western Washington.
Peak Checking ••4821
$8,214.52
Direct deposit
2 days early
+$2,340.00
Zelle® to Sam
Today
−$45.00
Safeway Silverdale
Yesterday
−$86.12
ATM fee refund
Nov 1
+$3.50
Kitsap Credit Union
•••• 2026
VISA
Peak Account
3.30% APY*
Paycheck arrived
Up to 2 days early**
0
branches across Kitsap, Pierce, Jefferson and Mason counties
0k+
free ATMs nationwide, plus our own
0.00%
APY on Peak checking balances up to $15,000*
$0
annual fee on every KCU Visa® credit card
Products
Everything you bank on. One place.
Accounts and loans designed for members, with rates that put your money to work.
4.50%
APY* · 23-month term
Take a break and let your savings do the work.
Limited time offer4.99% APR*
Intro rate for the first 6 months, then as low as 7.00% APR variable.
Auto, home and recreation
From your first car to a boat for the Sound, with local decisions.
Let’s get started
I’m interested in…
Recommended for you
Start with Peak checking
Open with $25 and start earning dividends on everyday spending.
Digital banking
Freedom to bank on the go.
Deposit a check
We’re in the neighborhood
13 branches. 7 KCU ATMs. One community.
From Port Townsend to Puyallup, there’s a KCU team nearby, plus 30,000+ free ATMs nationwide.
Branch
ATM
01
Member-owned
As a not-for-profit cooperative, earnings return to members as better rates and lower fees.
02
Local decisions
Loans are reviewed by people who live and work in the communities we serve.
03
Giving back
The KCUCares Foundation supports neighbors and nonprofits across our region.
Together it’s possible.
Membership is open to people who live or work in our communities. Join online in minutes.
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are variable unless noted and accurate as of 11/7/2026. Peak Account: 3.30% APY applies to balances up to $15,000 when monthly qualifications are met; 0.05% APY on balances above $15,000; 0.00% APY when qualifications are not met. $25 minimum deposit required to open. Fees may reduce earnings. Certificate and HELOC terms are limited-time offers and subject to change. All loans subject to approval.
**Early direct deposit availability depends on when the payer submits the payment file and may be up to 2 days early.