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January 2024 by Matthew Powell
Single worst banking experience I've ever dealt with. My wife has her auto loan through Kitsap credit union and it's like pulling teeth trying to get anything done. Their app is absolute garbage, and their website isn't much better. We cancelled auto payments from one bank account and set it up for another, and they still pulled from both and told us that there's nothing they can do to fix it going forward. Bank literally anywhere else, for your own financial wellbeing.
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December 2023 by Rich W
Disappointed they charge a $3 FEE for sending me statements on a loan account that they earn a significant APR on.Tired of corporations charging junk fees to do their job.The only positive is they gave me a loan on an older model vehicle to purchase, but I'd rather do business where sending statements is part of the cost of doing business to give me such a loan. If it were possible to refinance at my local bank I would.
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December 2023 by Jennifer
I love this bank. Best place to have a account at with great interest rates on loans. No hidden fees.
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November 2023 by Jeremiah Willowbrook
They keep charging me NSF fees when I don't authorize it, they don't have any overdraft protection whatsoever, if you overdraft your account by even a penny they will charge you a 35 dollar overdraft fee.
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October 2023 by Jenifer M.
I have not only used them for personal accounts but for business and for my clients accounts. It is true they used to be much better. Alot of that has to do with change in management. It used to be that the branches had hands on managers who were out in the lobby, behind the windows, doing what needed to be done to give good customer service. Now they just sit in their offices visiting with people. The Highland branch as gone the most down. Port Orchard and East Bremerton are still decent. You do need to check your receipts because I have had them misread a check and also deposit something into another of my accounts that I did a previous transaction on. I hate that most of the branches don't have anyone to check you in if you need to sit down and talk to someone. PO still does most of the time but the others rarely or never do. Then you have to stand in line just to check in. And you worry someone will just bypass the line and say they need to check in which you are doing the proper thing by waiting your turn to talk to someone to check in. Anxiety provoking. And if you call you had better hope you get the branch because the call center they use are i-iots. Nothing but bad interactions and I just hang up with it is not the branch.
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September 2023 by NKay B.
They are excellent! Brittany in the loan department is super attentive, helpful and down to earth. Love her. Great place to get a car loan!
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August 2023 by K O.
This review isn't related to a specific branch. I called what I thought was the downtown Bremerton branch interested in opening a business account. I wanted to make sure I had the paperwork needed before driving there. When the representative picked up the phone I asked "did I reach the downtown Bremerton branch?" and he seemed really thrown off by the question? There was a long awkward pause, which I assumed was because he was locating a script, then he read of something about how I reached the call center. Okay that's fine. "Can you please transfer me to a banker? I have questions about opening up a business account" - then he says "please hold on a moment while I check on this information" (???) So then I'm on hold for two minutes while he decides if he can transfer me. No he can't. He can have someone call me tomorrow. He asks for my member number for the call back. I don't have one, I'm interested in signing up. He doesnt seen to know what to do without a member number. I tell him nevermind. What kind of company makes it this hard for someone new wanting to work with them? I will now discourage anyone from bothering with this organization. Also, why call it Kitsap Credit Union if your customer service isn't even in Kitsap? That representative didn't even know what Bremerton was!!! Terrible, terrible first impression. I'll pay a monthly fee with Kitsap Bank for a business account over dealing with these people, thanks.
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August 2023 by C M.
This review is about their online services, not a particular branch, leaving here because according to the web, this is their headquarters / corporate office. Pretty horrible credit card service. Multiple systems, all disjointed. Web payment portal only available in a web browser and terribly dated looking software wise, doesn't show accurate info. Can't pay your bill in the KitsapCU mobile app. The amount due in the main app, and the web payment portal, are often a bit different. I always pay what the web payment portal says is the minimum, or a little bit over. I always pay my bill on time, and usually about a week before the due date. Like every other bill I have. In my two year payment history with them, this is what I have done, and no problems the entire time. Then I get a message this week saying my bill is past due. I already paid, which is visible in my payment history. I call in - turns out, the web payment portal was not accurate, and I still owe $42. So I was past due. My APR jumped up from 7 to 13%, no idea if this is a penalty, or when it happened, and no clear answers. Other cards I have, never had this problem. All my other cards, even those whose interest has increased a little with rate hikes, didn't increase THIS much. Thats almost double. Finally arrived at the conclusion that I was paying too early because my due date and cycle date are the same date, and even though I receive an invoice to my email in the middle of the month, paying before the due date means the payment might not be applied correctly, or may not be accurate. I have not ever received a late or past due notice before this week, or any notice that I still owed a balance. I have been paying the same way, for two years. Support is helpful, but talks in circles. Isn't willing to actually help, but just restate cycle dates, policy, and then tell me to ignore the web payment portal and only look at the app. The app is useless if I can't pay with it, so why keep it installed? Oh, just to make sure you always pay what is actually due, instead of trusting the web payment app to actually be accurate. Lame. Beyond Lame. End of convo - I know what to do going forward, no resolution about APR, and definitely going to pay it off asap and shred the card. I'm a business owner who uses my card for business. I love low APR credit union cards, they are better than personal loans, or business loan rates. But my other credit union cards, are all still 7-9% APR, Kitsap is the only card that jumped 5%. Something isn't right here, and they'd have a consistent reliable customer if I felt anyone genuinely wanted to help, but instead they loose my business going forward.
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July 2023 by Dave O.
We had accounts for over 30 years and this year they started charging $3 per quarter to get paper statements. I told them we didn't want paper statements but they said the only way to opt out of the paper statement was to sign up for online banking. So I tried to sign up for online banking and it was a lengthy agonizing ordeal and it never worked. They even tried to walk me through the steps but because I was on the landline while talking to them, I could not go to the final step to get a security code on the phone. I got frustrated and said the hell with it and went in and closed the accounts. I believe they implemented this $3 paper statement fee to get rid of customers who don't make them any money. And the online banking is made difficult on purpose to get customers to quit. So I did!! Won't come back and recommend new customers look at other credit unions first.
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May 2023 by Gw Combs
First off, anytime I have ever contacted them, they have been very nice to deal with over the phone. Everything else, can't say the same. First off, this app is super bad. Doesn't work half the time, gives very vague information, and takes FOREVER to load. The only reason I went with this bank is for my car loan and I also ended up going with one of their credit cards. Have been using the card for about 7 months, and wanted to upgrade it to their cashback card. (Because the rewards on their "rewards" card absolutely SUCK) They told me they don't do upgrades/downgrades. I would have to cancel this one and do a separate credit pull. Yeah no. I get that if you offer a bunch of different products, but they literally only have 3 credit cards. One of the other large credit unions in the area (BECU) upgraded one of their cards to me and significantly increased my limit. After this loan is done it's safe to say I am done with KCU!
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March 2023 by K Frerix
KCU doesn't seem to take their responsibility seriously. This institution fails on every metric. I've been trying to use a savings account for a particular goal, but just getting money into it is a pain. Also the app is telling me right now that even though I'm signed in and can look at my details, I have no account. This kind of thing is par for the course at KCU.I think I'm over it - closing out.
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February 2023 by T. Jackson
If you want to experience the frustration of banking in the 1980s go ahead and choose Kitsap Credit Union. If you want to use an app, pay your credit card bill online or be treated like a human being choose literally any other bank.
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October 2022 by Tre Madison
This credit union is trash they closed my account during the Covid pandemic when i was having a problem getting my unemployment. I even called them and asked them for a little more time which they said yes but still closed my account and my negative balance got paid and still wont let me open another account so much for being your local credit union TRASH!!!!!!!!!??
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September 2022 by Billy May
they really just try to bag you with an additional 1800 dollars of insurance and good luck getting someone on the phone.Edit 1: to state I have no idea about this individual location the company as a whole has been trash.Edit 2: 200$ additional dollars this month that "will be refunded" all because my insurance company notifying the lienholders was lost in transit
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September 2022 by Native Adventures
Local credit union with great workers who are very knowledgeable and professional while treating you like family. Plenty of parking and other businesses in the area. Near Seattle and port orchard ferries at Bremerton transportation center.
