Kitsap Credit Union Poulsbo WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Kitsap Credit Union, your trusted financial partner since 1934. Located at 19045 State Highway 305 Ne Ste 200, Poulsbo, WA 98370, we are proud to serve our vibrant community and support the financial well-being of over 161,139 members. Our commitment to providing exceptional service is reflected in our robust financial health, with total assets reaching an impressive $2,331,276,495 and total deposits of $91,876,737. At Kitsap Credit Union, we believe in making banking accessible and straightforward. We offer a range of services that cater to personal and business needs from checking and savings accounts to auto loans and mortgages. With a dedicated team of 324 employees, led by our CEO Shawn Gilfedder and Board President Susan Baker, we strive to create a welcoming environment where every member feels valued. While you can easily visit us at our Poulsbo branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 990, Bremerton, WA 98337-5606. We're here for you Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. As part of our mission, we focus on building lasting relationships within the community. Our financial strength enables us to provide competitive loan options currently totaling 76,137 loans while ensuring the security and growth of your deposits. Whether you're looking for personal loans or exploring business financing options with a net member business loan balance of $89,688,657, we've got you covered. Join us today and experience the difference that a member-focused credit union can make. For more information or assistance, feel free to call us at 360-662-2000 or visit our website at Kitsap Credit Union. Your journey toward better financial health starts here!

Branch History & Mission

At Kitsap Credit Union, we believe that financial institutions should not just be about numbers; they should be about people. Since our founding in 1934, we have dedicated ourselves to serving the community of Poulsbo, WA, and surrounding areas. Our journey began with a simple mission: to provide our members with the financial tools they need to achieve their goals while fostering a sense of belonging and support within our community. Over the decades, Kitsap Credit Union has evolved significantly. We started small, but through hard work and a commitment to service, we now proudly serve over 161,000 members with total assets exceeding $2.3 billion. Our branch is located at 19045 State Highway 305 NE Ste 200, Poulsbo, WA 98370 a convenient spot that allows us to connect easily with our community members. While members can visit us at this location for all their banking needs, official correspondence should be sent to our mailing address at PO Box 990, Bremerton, WA 98337-5606. Our mission is clear: to provide exceptional financial services while enhancing the quality of life for our members and the communities we serve. We aim to empower individuals by offering personal banking solutions like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our focus extends beyond just financial transactions; it encompasses building lasting relationships based on trust and mutual respect. As part of our commitment to accessibility and modern banking needs, we offer features such as online and mobile banking options, ATM availability, and drive-thru services ensuring that everyone can access their funds easily and securely. We're proud of our shared service center partnerships that allow members from other credit unions to benefit from our services as well. Community involvement is at the heart of everything we do at Kitsap Credit Union. Whether it's sponsoring local events or providing financial literacy workshops, we strive to give back in meaningful ways. As we continue to grow and adapt in an ever-changing world, our dedication remains steadfast: we are here for you today and tomorrow. Join us at Kitsap Credit Union and experience the difference that comes from being part of a member-focused institution. Together, let's build a brighter financial future! For more information or assistance, feel free to contact us at 360-662-2000 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. We look forward to welcoming you!

Branch Location & Accessibility

Branch Features and Accessibility

At our Poulsbo branch, we take pride in making your banking experience as smooth as possible. With ample parking available, you can visit us hassle-free. We are also committed to accessibility for all members, featuring ADA-compliant entrances and ramps, ensuring everyone can access our services comfortably. For those who prefer to bank on-the-go, we offer an ATM on-site for quick cash withdrawals and balance checks. Plus, if you're looking for a more personalized service, our drive-thru banking option makes it easy to complete transactions without leaving your vehicle.

Operating Hours

We're here for you during the week with convenient operating hours! Visit us from 9:00 AM to 5:00 PM Monday through Thursday, and enjoy extended hours until 6:00 PM on Fridays. For those busy Saturdays, our drive-thru is open from 9:00 AM to 1:00 PM so you can take care of your banking needs even on weekends.

Services Offered

At Kitsap Credit Union in Poulsbo, we offer a variety of services tailored to meet your financial goals. From checking and savings accounts to auto loans and mortgage options, we provide everything you need under one roof. Additionally, as a shared service center, we can assist members of partner credit unions with basic transactions like deposits and withdrawals. While members can visit us at 19045 State Highway 305 Ne Ste 200, official correspondence should be sent to PO Box 990 in Bremerton if necessary. If you're looking for friendly service and a community-focused approach to banking, we invite you to stop by or give us a call at 360-662-2000. Our team is ready to assist you!

Member Eligibility

Becoming a member of Kitsap is like joining a welcoming family that truly cares about your financial well-being. To be eligible, you need to live, work, or worship in our community. Whether you're a first-time account holder or looking to switch from another institution, we're here for you. At Kitsap, we believe that everyone deserves access to friendly service and valuable resources tailored to meet their needs. If you're curious about the specifics of our eligibility requirements, feel free to check out more details. Opening an account is straightforward and designed with you in mind! Just give us a call at (360) 662-2000, or swing by our branch located at 19045 State Highway 305 Ne Ste 200 Poulsbo Wa 98370 during our operating hours. We're eager to help you get started on your journey toward better banking. Join us today and experience the difference that comes with being part of our community!

Business Banking & Commercial Services

Commercial Loans 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. - 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 Matter

In today's competitive market, having efficient payment solutions is crucial. Our merchant services provide you with the tools needed to accept payments seamlessly, allowing you to focus on what you do best running your business. Imagine being able to process payments anytime, anywhere, enhancing your customer experience and increasing sales opportunities. Visit us at 19045 State Highway 305 Ne Ste 200 Poulsbo Wa 98370 in Poulsbo, WA, or give us a call at (360) 662-2000 to learn more about how our business banking and commercial services can empower your success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash should be easy, which is why we provide comprehensive ATM & Cash Withdrawal Services at various locations. Need cash fast? Our ATMs are ready whenever you are.

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms. Imagine cruising down the road in your dream car without breaking the bank. Our loan specialists are here to help you navigate your options and find the right financing solution for your budget.

Business Banking

For entrepreneurs, our Business Banking services include merchant services and business loans tailored to help your business thrive. Whether you're starting a new venture or expanding an existing one, we provide the financial support you need to succeed.

Credit Cards with Rewards

Make every purchase count with our Credit Cards with Rewards program. Enjoy benefits such as cashback on purchases or points that can be redeemed for travel and merchandise. It's not just about spending; it's about earning rewards while managing your expenses wisely.

Drive-Thru Banking

For those quick transactions on-the-go, our Basic Drive-Thru Banking allows for deposits, withdrawals, and simple transactions without leaving your car. It's perfect for busy days when every minute counts!

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your existing mortgage? We offer comprehensive Mortgage Loans & Refinancing solutions that can help make homeownership a reality. With personalized guidance throughout the process, you can feel confident that you're making informed decisions about one of life's biggest investments.

Online & Mobile Banking

We understand how important convenience is in today's world. That's why we offer robust Online & Mobile Banking platforms allowing you to manage your accounts anytime, anywhere. From transferring funds to checking balances, it's all just a few clicks away.

Personal Banking

For everyday banking needs, we offer Personal Banking options that include checking and savings accounts designed to help you manage your finances effectively. Whether you're saving for a vacation or managing day-to-day expenses, our accounts come with features that make transactions simple and straightforward.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options are designed to give you peace of mind. Whether it's for medical bills, home repairs, or consolidating credit card debt into one manageable payment, we're here to support you every step of the way.

Shared Branch Transactions

As part of a larger network, we also facilitate Basic Shared Branch Transactions, allowing members from partner credit unions to make deposits and withdrawals at our location making banking even more accessible. At Kitsap, we're dedicated to being more than just a financial institution; we're a community partner invested in helping you reach your goals. For any questions or to learn more about our services, don't hesitate to call us at (360) 662-2000. We look forward to serving you!

Digital & Online Banking

Additional Benefits

Want to send money to a friend or family member? Our person-to-person transfer feature makes it simple and quick. And if you're someone who enjoys using mobile payments, you'll be pleased to know that we support this feature too making everyday purchases even more convenient. In short, Kitsap offers a complete suite of digital banking services tailored for you. From real-time account management to user-friendly features designed with your needs in mind, we're here to help you take control of your financial life effortlessly. So why wait? Explore our online banking options today!

Key Features

Our online banking platform allows you to access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, everything can be done with just a few clicks. Plus, if you prefer to handle things on the go, our mobile application ensures that you have all the tools you need right in your pocket. Security is our priority. We offer electronic signature authorization for those important documents you need to sign digitally, making transactions smoother and more efficient. Plus, with the option of e-statements, you can say goodbye to paper clutter while keeping all your financial records organized and easily accessible.

Financial Strength

Member-Centric Savings Options

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 commitment to operational efficiency is reflected in our $1,737,365, which enables 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.

Reinvestment for 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 lending capacity supports members' financial goals across various sectors with $28,710 in used auto loans and $1,814,289,183 in total loans and leases.

Strong Financial Position

With a net worth of $198,260,334, we maintain robust 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.

Trustworthy Member Base

Total Share and Deposit Accounts: 195,367, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $356,985. 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 19045 State Highway 305 Ne Ste 200 Poulsbo Wa 98370 or call (360) 662-2000 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Services

In addition to these offerings, we also provide various refinancing options and eligibility assistance tailored to meet your specific needs. Our knowledgeable staff at Kitsap, located at 19045 State Highway 305 Ne Ste 200 Poulsbo Wa 98370 in Poulsbo, WA, is ready to assist you. Feel free to call us at (360) 662-2000 during our operating hours: Monday-Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Kitsap, we're dedicated to providing personalized solutions that align with your financial aspirations. Let us help you take the next step toward achieving your goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $534,075,013 in used vehicle loans and $225,230,367 in new vehicle loans, helping members get on the road with confidence. Our flexible terms make it easy for you to choose the right plan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $89,161,669 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are committed to supporting our members' entrepreneurial journeys.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $162,144,489. Whether you're looking to purchase a new home or refinance your current mortgage, our team is here to guide you through each step of the process.

Unsecured Credit Card Loans

Managing day-to-day finances can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $90,757,878 in loans available, our credit cards are designed to help you manage expenses effectively while providing rewards for your purchases.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. By working exclusively with verified financial institutions, LendMesh guarantees that all loan information is up-to-date and trustworthy.

KITSAP CREDIT UNION - Poulsbo, WA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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