Consumer Loan Rates - Effective as of August 8, 2018

Home Equity1

Loan SolutionLTV APR Term  
1st Deed of Trust - $50,000 - $300,000 (A)Up to 80%4.25% - 5.00%Up to 180 monthsApply Now
1st or 2nd Deed of Trust - $25,000 - $49,999 (B)Up to 80%4.50% - 5.25%Up to 120 monthsApply Now
2nd Deed of Trust - $50,000 - $300,000 (C)Up to 80%4.50% - 5.25%Up to 180 monthsApply Now
Call for Quote if loan amount is > $300,000 or the 1st and 2nd liens combined are > $424,100. 
  • 1 APR = Annual Percentage Rate
    • Subject to Credit Approval.
    • Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
    • Owner occupied detached Single Family Residential homes in the State of Washington only. Other collateral limitations may apply.
    • No Loan Fee. Borrower pays all closing costs to include flood determination, title policy, credit report, recording fees, and appraisal.
    • Closing costs paid by the bank up to $500.00 on all loans ≥ $50,000 with credit score of 720 or higher.
    • Prepayment penalty of $500.00 for loans paid within the first 24 months.
    • Typical loan payment examples are as follows: (A). $376.14 per month, based on 15 year, $50,000 loan at 4.25% APR. (B) $259.10 per month, based on 10 year, $25,000 loan at 4.50% APR. (C) $382.50 per month, based on 15 year, $50,000 loan at 4.50% APR.
    • Payments do not include amounts for taxes and insurance premiums.
    • Property insurance required, flood insurance may be required if applicable.

     

Powerline Home Equity Line of Credit1

Loan SolutionLTV APR Term Loan Amount  
1st Deed of Trust Owner Occupied (A)Up to 80%5.00% *60 Months$100,000 - $424,100Apply Now
1st or 2nd Deed of Trust Owner Occupied (B)Up to 80% CLTV5.25% *120 months$25,000 - $300,000Apply Now
1st Deed of Trust - Non Owner Occupied (D)Up to 65% to 75%6.00% *120 Months$25,000-$750,000Apply Now
1st or 2nd Deed of Trust - Second Home (C)Up to 70% - 75% CLTV5.25% - 5.75% *120 Months$25,000 - $1,500,000Apply Now
  • 1 APR = Annual Percentage Rate
    • Subject to Credit Approval.
    • Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
    • Rates are subject to change depending on market conditions and may increase after consummation.
    • * Variable rate based on The Wall Street Journal Prime Rate of 5.00% as of 6-14-18 plus a margin of 0.00% or 1.00%. (Maximum APR 18%)
    • Estimated interest only loan payment examples are as follows: (A). $4.17 per month, for each $1,000 advanced at 5.00% APR. (B) $4.38 per month, for each $1,000 advanced at 5.25% or APR. (C) $4.38 per month, for each $1,000 advanced at 5.25% APR to $4.79 per month, for each $1,000 advanced at 5.75% APR.  (D) $5.00 per month, for each $1,000 advanced at 6.00% APR.  Interest only payments will result in a balloon payment due at maturity. (Maximum interest only payment $15.00 per month, for each $1,000 advanced at 18% APR.)
    • Rate to float monthly with a floor established at origination depending on the lien position, loan amount and term; maximum of 18% APR.
    • Detached Single Family 1 - 4 Residential homes in the State of Washington only.  Other collateral limitions may apply.
    • No loan fee.  Borrower pays all closing costs to include flood determination, title policy, credit report, recording fee and appraisal.  These third party fees generally range between $560.86 and $5,314.01.
    • Closing costs paid by the bank up to $500.00 on owner occupied loans loans ≥$50,000 with credit score of 720 or higher.  (Second Homes and Non-Owner Occupied requests pay all fees.)
    • Prepayment penalty of $500.00 for loans paid within the first 24 months.
    • Property insurance required, flood insurance may be required if applicable.

      **Call for Quote if the 1st lien or the 1st and 2nd liens combined are greater than $424,100.

Auto Loans1

Loan SolutionAPR Term Loan Amount  
New 2017 Vehicles4.24%72 months$15,000+Apply Now
New 2017 Vehicles3.99%36-60 monthsNo limitApply Now
New Green Vehicles3.74%72 monthsApply Now
New Green Vehicles3.49%36-60 monthsApply Now
Used Vehicles 2011-20134.50%48 monthsNo limitApply Now
Used Vehicles 2014-20163.99%60 monthsNo limitApply Now
Used Vehicles 2010 and older on a case by case basis4.25%36 monthsNo limitApply Now
Used Vehicles 2010 and older on a case by case basis4.75%48 monthsNo limitApply Now
  • 1

    Subject to credit approval. New auto loans available up to 100% of NADA or Purchase price. Used auto loans require a 10% or more down payment of NADA average retail value or purchase price, whichever is less. Credit scores over 700.

    Kitsap Bank continues to promote financing options for energy efficient Green vehicles at a reduction in the rate of .5% with an automatic charge from a Kitsap Bank account. Vehicles listed under the EPA’s SmartWay certification program qualify. Cars and trucks awarded EPA's SmartWay certification emit less greenhouse gas (GHG) and smog-forming tailpipe emissions than other vehicles. Find the lists at www.fueleconomy.gov/feg/SmartWay.do

    Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. Typical loan payment examples are as follows:

    New Vehicle -$315.10 for 72 months, based on a $20,000 loan at 4.24% APR

    Used Vehicle - $226.16 for 48 months, based on a $10,000 loan at4.75% APR


RV & Boat Loans1

Loan SolutionAPR Term Loan Amount  
2016 or Newer6.50%120 Months$50,001+Apply Now
2016 or Newer6.00%84 Months$15,001-$50,000Apply Now
2016 or Newer5.50%60 MonthsUp to $15,000Apply Now
20156.75%120 Months$50,001+Apply Now
2014-20126.50%84 Months$30,001-$50,000Apply Now
2011-2008 and older on case by case basis6.25%60 MonthsUp to $30,000Apply Now
  • 1

    Subject to credit approval. Rate requires 20% or more down payment of average retail value or purchase price, whichever is less.

    Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. Typical loan payment examples are as follows:

    New RV/Boat - $567.64 for 120 months, based on a $50,000 loan at 6.50% APR

    Used RV/Boat - $445.48 for 84 months, based on a $30,000 loan at 6.50% APR

Personal Loans1

Loan SolutionAPR Rate Term Loan Amount  
Personal Unsecured13.14% to 13.69%13.00%Up to 36 MonthsUp to $20,000Apply Now
Cash Secured3.0% Over CD YieldCannot Exceed CD TermNo MaximumApply Now
  • 1

    Subject to credit approval. For unsecured loans, a $99.00 loan fee applies. Minimum loan amount is $2,000. Requests < $2,000 are handled through a Visa Credit Card program.

    Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. Typical loan payment examples are as follows:

    Personal Unsecured - $170.14 for 36 months, based on a $5,000 loan at 13.69% APR

    Savings/CD Secured- $145.96 for 36 months, based on a $5,000 loan at 3.25% APR