Kitsap Credit Union Silverdale WA | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Kitsap Credit Union, your trusted partner in financial well-being since 1934. Located at 2750 Sargo Cir Bldg 2008, Silverdale, WA 98315, we pride ourselves on being more than just a credit union; we are a community-focused institution dedicated to serving our members and the surrounding area. With over 161,000 members and total assets of $2,331,276,495, our commitment to providing personalized banking solutions is stronger than ever. At Kitsap, we understand that every member's financial journey is unique. That's why we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our competitive rates and dedicated staff ensure you receive the best support possible. For example, our total deposits stand at an impressive $91,876,737, reflecting the trust our members place in us. Our leadership team, led by CEO Shawn Gilfedder and Board President Susan Baker, fosters an environment of trust and transparency. With a team of 324 employees, we work diligently to create a welcoming atmosphere where you can achieve your financial goals. While members can visit us at 2750 Sargo Cir Bldg 2008, official correspondence should be sent to our mailing address: PO Box 990, Bremerton, WA 98337-5606. We invite you to explore what Kitsap Credit Union has to offer! Whether you're interested in personal banking or need assistance with loans and mortgages, we're here for you. Call us today at 360-662-2000 or visit our website at kitsapcu.org for more information. Join us in building a brighter financial future together!

Branch History & Mission

At Kitsap, we take great pride in our rich history and unwavering commitment to serving the community. Established in 1934, our branch has grown alongside the residents of Silverdale, WA, creating a legacy built on trust, support, and financial empowerment. Over the decades, we've expanded our offerings and services to meet the evolving needs of our members while maintaining our core mission: to enhance the financial well-being of our community. Located at 2750 Sargo Cir Bldg 2008 in Silverdale, we are easily accessible for all your banking needs. Our branch is a welcoming space where members can feel comfortable seeking advice and support. Just a stone's throw away from local landmarks, we're proud to be a staple in this vibrant community. Our mission is simple yet profound: we strive to provide exceptional financial services while fostering community engagement and support. We understand that our members' success is intertwined with the growth of our neighborhoods. That's why we actively participate in local events and partner with organizations that uplift those around us. Whether it's through educational workshops or sponsoring community initiatives, we are dedicated to making a positive impact. With over 161,139 members and total assets exceeding $2.3 billion, Kitsap has become a trusted name in personal banking solutions. Our offerings include checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. We also embrace modern technology with online and mobile banking options that make managing finances easier than ever. For those looking for convenience, we provide ATM availability and shared service center access for basic transactions. While you can visit us at our Silverdale address for lobby hours on Tuesday through Thursday from 11:00 AM to 3:00 PM, please note that official correspondence should be directed to PO Box 990 in Bremerton if necessary. As we look ahead to the future, we invite you to join us on this journey of financial growth and community support. At Kitsap, you're not just a member; you're part of a family dedicated to helping each other thrive. Visit us today or explore more about our services at kitsapcu.org. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Accessibility Features

At Kitsap Credit Union, we understand the importance of accessibility. Our branch is equipped with ADA-compliant features to ensure everyone can easily access our services. Ample parking is available right outside the entrance, allowing for straightforward access whether you're visiting on foot or by vehicle.

Connect With Us

Got questions? We're just a phone call away at 360-662-2000. Our friendly team is eager to help you navigate your financial journey. Stop by today or give us a call; we look forward to welcoming you at Kitsap Credit Union!

Operating Hours and Services

We invite you to visit us during our lobby hours from 11:00 AM to 3:00 PM on Tuesday, Wednesday, and Thursday. While we may have limited hours during the week, we are committed to providing quality service in that time frame. Our dedicated staff is ready to assist you with a variety of personal banking needs including checking and savings accounts, auto loans, mortgages, and credit card options. In addition to traditional banking services, our branch also offers ATM availability for quick cash withdrawals and balance checks outside of lobby hours. If you're a member of another participating credit union, feel free to take advantage of our shared service center offerings for basic transactions like deposits and withdrawals.

Member Eligibility

At Kitsap, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Joining us is simple! If you live, work, worship, or attend school in Kitsap County, you're already eligible for membership. This means that whether you're a long-time resident or just starting out in the area, we welcome you with open arms. Becoming a member at Kitsap opens the door to a variety of benefits, including personalized service, competitive rates on loans and savings accounts, and access to resources that truly help you achieve your financial goals. To get started on your journey with us, simply visit our branch located at 2750 Sargo Cir Bldg 2008 Silverdale Wa 98315 or give us a call at (360) 662-2000. You can also find more detailed information about eligibility by checking out our website at . We look forward to welcoming you into our family!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify transactions for your business. Imagine streamlining payment processing so that you can focus more on serving your customers and less on managing payments. Our services provide secure and efficient ways to accept payments, enabling you to grow your customer base without worrying about complicated systems. Discover how Kitsap, located at 2750 Sargo Cir Bldg 2008 Silverdale Wa 98315 in Silverdale, WA, can help your business flourish. Contact us today at (360) 662-2000 to learn more about how we can be a part of your success story!

Comprehensive List Of Services

Accessibility & Support

At Kitsap, we believe in making banking accessible for everyone. With our digital tools like online banking and mobile payments, managing your finances has never been easier. Have questions? Feel free to call us at 360-662-2000 during our lobby hours from 11:00 AM to 3:00 PM on Tuesday through Thursday. We invite you to explore these services further by visiting us at Kitsap's website or stopping by the branch. Experience how Kitsap can support your financial journey today!

Auto Loans & Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are crafted to help you drive away in the vehicle you desire. With competitive rates and flexible terms, we aim to make the process smooth and straightforward so you can focus on enjoying your new ride.

Business Banking

For our business members, we offer specialized business banking services, including merchant services and business loans. We know that running a business comes with its own set of challenges; that's why we're committed to helping you find the right financial solutions tailored specifically for your enterprise.

Home Financing

If home ownership is on your mind, we provide comprehensive mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our knowledgeable staff will guide you through the process with ease.

Personal Banking Solutions

We understand that managing finances can be challenging. That's why we offer personal banking services such as checking and savings accounts designed to fit your lifestyle. Need quick access to cash? Our ATM and cash withdrawal services make it easy to get your money whenever you need it. Plus, with online and mobile banking, you can manage your accounts from anywhere, making banking more convenient than ever.

Personal Loans & Credit Cards

For those unexpected expenses or big purchases, our personal loans and debt consolidation services can help lighten the load. Additionally, our credit cards come with rewards that allow you to earn while you spend perfect for those who want more from their everyday purchases.

Shared Branch Transactions

As part of our commitment to convenience, we also facilitate basic shared branch transactions for members of partner credit unions. This means you can make deposits and withdrawals easily without needing to travel far from home.

Digital & Online Banking

Key Features

We know security is a top priority for our members. That's why we provide electronic signature authorization to streamline processes while keeping your information safe. Plus, with e-statements available, you can view your account statements digitally saving paper and making it easier to keep track of your finances. For those who love the ease of mobile technology, our mobile application is here to help. You can enjoy features like person-to-person transfers, allowing you to send money to friends and family in just a few taps. Additionally, our mobile payments feature means you can pay for purchases directly from your phone no need to carry cash or cards. At Kitsap, we're committed to offering user-friendly tools that empower you to take control of your finances anytime, anywhere. Explore all our digital banking options today and see how we make managing your money simple and secure!

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 commitment 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.

Member Trust

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 further highlight our commitment to responsible lending practices. 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 2750 Sargo Cir Bldg 2008 Silverdale Wa 98315 or call (360) 662-2000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Secure Savings Opportunities

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.

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 $848 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. Whether you're looking for financing on a brand-new model or a reliable used vehicle, we have options to suit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $89,161,669 provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored solutions that meet specific operational needs.

Credit Lines

If you're looking for more flexibility in your borrowing, our total credit lines amounting to $739,201,724 provide an easy way to access funds as needed. This option allows you to borrow only what you need when you need it, which can help keep your overall costs down.

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 provide guidance throughout the process, ensuring you understand your options and find the right solution for your financial situation.

Refinancing Options

If you're interested in lowering your monthly payments or accessing cash from your current loans, we also offer refinancing options. It's worth exploring how refinancing could benefit your financial situation. At Kitsap, we pride ourselves on delivering exceptional service alongside our financial products. If you have questions about eligibility or want to start an application, feel free to reach out at (360) 662-2000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial future today!

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 product can be an excellent tool for building credit or managing unexpected expenses without the need for collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh ensures that users have access to accurate loan information to make informed decisions. 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 means that every loan offer you see is fair and transparent, rooted in verified data rather than guesswork. One of the standout features of LendMesh is its emphasis on verified data. All loan offers are sourced from legitimate financial institutions, which helps build trust with users. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings here. The goal is straightforward: to provide unbiased results that help you find the best loan options. With real-time rate comparisons, LendMesh keeps you updated with the most current loan rates from multiple institutions. This feature empowers users to make informed choices without needing to spend hours researching different lenders. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness and reliability. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Kitsap