Kitsap Credit Union Gig Harbor WA | Affordable Vehicle Loans & Personal Banking

Introduction

At Kitsap, we believe that banking is more than just numbers it's about building relationships and strengthening our community. Located at 4747 Point Fosdick Dr Ste 500, Gig Harbor, WA 98335, our branch, known as Gig Harbor Uptown, has been serving the needs of our members since 1934. With a proud membership of over 161,139, we are dedicated to providing personalized financial solutions tailored to your unique circumstances. As a member-owned credit union with total assets of $2,331,276,495, we prioritize your financial well-being. Our total deposits reach an impressive $91,876,737, showcasing the trust our members place in us. With a net worth of $198,260,334 and cash in hand totaling $19,517,622, we are well-equipped to support your dreams whether it's securing an auto loan or planning for your future. We understand that every financial journey is different. That's why we offer a variety of services including personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans, credit cards with rewards, and business banking services. Plus, with convenient online and mobile banking options available, managing your finances has never been easier. While members can visit us at our Gig Harbor location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 990, Bremerton, WA 98337-5606. Under the leadership of CEO Shawn Gilfedder and Board President Susan Baker, our team of 324 dedicated employees is here to provide exceptional service that goes beyond traditional banking. We invite you to experience the Kitsap difference! Whether you're looking for advice on loans or simply want to open a new account, don't hesitate to call us at 360-662-2000 or visit our website at kitsapcu.org. Your financial journey starts here!

Branch History & Mission

Kitsap Credit Union has been a cornerstone of financial support and community service since it first opened its doors in 1934. Located at 4747 Point Fosdick Dr Ste 500 in Gig Harbor, WA, our branch has witnessed significant changes over the decades while maintaining a steadfast commitment to our members and the communities we serve. From humble beginnings, Kitsap Credit Union has grown into a trusted financial institution with over 161,139 members and total assets amounting to ${2331276495}. Our history is rich with milestones that reflect our dedication to providing personalized banking services and fostering financial well-being. As we expanded our offerings, we embraced technology to ensure that our members have access to modern banking solutions while keeping the personal touch that sets us apart. Our mission is clear: we strive to empower our members through exceptional financial services while actively supporting local initiatives. Whether it's providing auto loans, mortgages, or business banking solutions, we are committed to helping individuals achieve their financial goals. We understand that every member's needs are unique, which is why we offer a range of services designed to meet those needs effectively. At Kitsap Credit Union, we believe in giving back. Our partnerships with local organizations and community outreach programs reflect our desire to make a positive impact. We take pride in being more than just a financial institution; we are your neighbor, dedicated to building a stronger community together. While you can visit us at our Gig Harbor branch for all your banking needs during our operating hours from 9:00 AM to 5:00 PM Monday through Friday, official correspondence should be sent to PO Box 990, Bremerton, WA 98337-5606 if different from our physical location. As part of our commitment to accessibility, we provide ATM services for convenience and have shared service centers available for basic transactions. Our digital advancements allow you to manage your finances on-the-go through online banking and mobile applications. Join us at Kitsap Credit Union and experience the difference of a member-focused credit union. Together, let's build a brighter financial future! For inquiries or assistance, feel free to call us at 360-662-2000.

Branch Location & Accessibility

Welcome to the Kitsap Credit Union branch located at 4747 Point Fosdick Dr Ste 500 in the beautiful Gig Harbor, WA! Our location is designed with your convenience in mind, making it easy for you to manage your finances while enjoying the vibrant community around us. Situated near local favorites and just a short drive from the stunning waterfront, you can easily swing by for banking needs on your way to explore what Gig Harbor has to offer. At this branch, we ensure that accessibility is a priority. Our facility is ADA compliant, featuring ramps and spacious parking areas for all our members. Whether you're coming in for a quick transaction or need assistance with our services, our friendly staff is here to help. We are open Monday through Friday from 9:00 AM to 5:00 PM, so you can visit us during convenient hours. If you need to reach out before stopping by, feel free to call us at 360-662-2000. We also have an ATM available on-site for quick cash withdrawals and balance checks. While members can visit us at 4747 Point Fosdick Dr Ste 500, official correspondence should be sent to our mailing address at PO Box 990, Bremerton, WA 98337-5606. In addition to traditional banking services such as checking and savings accounts, auto loans, and mortgage options, we also offer online and mobile banking features for those who prefer digital access. Plus, if you're a member of another participating credit union, you can take advantage of our shared service center for basic transactions like deposits and withdrawals. We invite you to come visit us at Kitsap Credit Union your financial home in Gig Harbor! Let us assist you with all your banking needs today!

Member Eligibility

At Kitsap, we believe that everyone deserves a place in our welcoming community. Becoming a member is simple and rewarding! If you live, work, or go to school in the area, you're likely eligible to join us. We also welcome family members of existing members, creating a strong network of support and shared resources. Membership comes with fantastic benefits, such as access to our wide range of financial products tailored just for you, along with personalized service from our friendly staff. To get started on your journey with us at Kitsap, visit us at 4747 Point Fosdick Dr Ste 500 Gig Harbor Wa 98335 or give us a call at (360) 662-2000. For more detailed eligibility requirements, feel free to check out this resource. Joining is easy, and we can't wait to welcome you into our family!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $93 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $89,161,669, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

In addition to loans, our merchant services are designed to simplify transactions and enhance customer experiences. Imagine a busy café in Gig Harbor, where every payment method be it card, mobile pay, or online order is accepted seamlessly. This convenience not only satisfies customers but also boosts sales. We provide the tools you need to ensure your business operates smoothly and efficiently. At Kitsap, we are dedicated to being your partner in success. Let us help you turn your business vision into reality! For more information or to discuss your specific needs, contact us at (360) 662-2000 or visit us at 4747 Point Fosdick Dr Ste 500 Gig Harbor Wa 98335.

Comprehensive List Of Services

Business Banking Made Easy

For business owners, Kitsap offers a range of services including merchant services and business loans. We understand the unique challenges of running a business and are committed to supporting your growth with financial products that cater specifically to your needs.

Convenient Access Anytime

We know that convenience is key in today's fast-paced world. That's why we provide easy access through our ATM and cash withdrawal services, allowing you to get cash when you need it without any hassle. Plus, as part of our commitment to making banking accessible, we offer basic shared branch transactions for partner credit union members so you can deposit or withdraw money even when you're away from home.

Loans Tailored for You

Life can throw unexpected expenses your way. That's why we also provide personal loans and debt consolidation options that can help relieve financial stress. Whether you need cash for a big purchase or want to consolidate existing debts into one manageable payment, we're here to assist. For those who like to earn rewards while spending, our credit cards with rewards program is an excellent choice. Enjoy cashback or points on everyday purchases while keeping your finances organized.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having the flexibility to handle your money wherever you are through our online and mobile banking options. You can check balances, transfer funds, and even make payments on the go. If you're considering a new vehicle, our auto loans and vehicle financing options can make that dream a reality. We offer competitive rates and flexible terms to fit your budget. Additionally, if you're looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services provide various solutions tailored for first-time buyers and seasoned homeowners alike.

Stay Connected with Us

With everything available at your fingertips through our digital platforms like mobile payments and person-to-person transfers managing your finances has never been easier. And if you ever have questions or need assistance, feel free to reach out by calling us at 360-662-2000 during our lobby hours from 9:00 am to 5:00 pm on weekdays. At Kitsap, we're not just about banking; we're about building relationships within the community and helping you achieve your financial goals. Explore all we have to offer today! For more information on any service, visit us online at Kitsap.

Digital & Online Banking

Key Features

Our online banking platform provides 24/7 access, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, you can stay connected to your accounts effortlessly. Plus, our mobile application enhances your experience further, offering features like mobile payments that let you make purchases directly from your phone. We prioritize your security with electronic signature authorization, making it easy and safe to sign documents digitally. This means no more printing or mailing forms just quick and secure transactions right from your device.

Real-Time Management

Keeping track of your spending has never been easier with our e-statements. You'll receive timely updates about your account activity without the clutter of paper statements. Want to send money to friends or family? Our person-to-person transfer feature allows you to do this quickly and easily. At Kitsap, we believe in making banking straightforward and user-friendly. From accessing your accounts online to handling transactions through our mobile app, we are here to support you every step of the way. Experience the ease of digital banking today!

Financial Strength

Commitment to Growth

With $187,842,420 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is evident with $28,710 in used auto loans and $1,814,289,183 in total loans and leases, supporting members' financial goals across various sectors.

Growing Member Base

Total Share Accounts stand at 195,367, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $356,985, further demonstrating our commitment to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kitsap is your trusted partner. Visit us at 4747 Point Fosdick Dr Ste 500 Gig Harbor Wa 98335 or call (360) 662-2000 to learn more about how we can help you achieve your financial goals.

Member Savings and Investment

Members' savings are secured through $632,232,375 in share certificates and $519,552,272 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our net income of $1,737,365, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 315 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $198,260,334, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.48% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $534,075,013 in used vehicle loans and $225,230,367 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can find the perfect fit for your budget.

Credit Lines and More

For those who need ongoing access to funds, our credit lines totaling $739,201,724 provide a safety net for unexpected expenses or planned projects. If you're considering refinancing any existing loans, be sure to ask about our eligibility options. We're here to help you make informed decisions that align with your financial goals. For more information on any of our loan offerings or to discuss your specific needs, please feel free to contact us at (360) 662-2000. Our team at Kitsap, located at 4747 Point Fosdick Dr Ste 500 Gig Harbor Wa 98335, is ready to assist you during our operating hours from 9:00 AM to 5:00 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to serving you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $162,144,489, make buying or refinancing simple. We work with you every step of the way to help you understand your options and choose the right loan for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $90,757,878 in loans helping members manage their finances effectively. This option is ideal for those looking to consolidate debt or make everyday purchases without worrying about high-interest rates.

Loan Aggregator

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KITSAP CREDIT UNION - Gig Harbor, WA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Gig Harbor, WA (98335)