Fergus fired an 8-under 64 in the final round to get in at 15-under-par 201. Kite had a chance for birdie at the last, but could not convert and closed with a 66 to join Fergus at minus-15.
In the playoff, Fergus found the left rough after Kite's drive split the fairway on the 18th at TPC at Snoqualmie Ridge. Fergus lost his second well right of the green.
His ball bounced off a cart path and was caught by a fan in the stands, then dropped. No matter as Fergus would have gotten a free drop from the grandstands regardless.
Kite's second shot bounced off the green and into a back bunker. He had a long wait for his third as Fergus got his drop from the stands.
Fergus' third again hit a cart path short of the green and he needed another drop from the path after his ball came to rest on the cement. He finally pitched his fourth to 15.
Kite blasted out to 4 feet. After Fergus two-putted for bogey, Kite rolled his birdie effort in for the win. It was his second title this season and ninth of his career on the Champions Tour.
'Other than 17 and 18 down the stretch, this putter was on fire this week. It's the reason (I won),' said Kite, who collected $240,000 for the victory. 'I'm so juiced right now. I'm really playing well right now. This putter is so much fun right now.'
Fergus got into the clubhouse first. He birdied the first, but parred five straight from there. Fergus ran off three consecutive birdies from the seventh to move to 11-under.
The 52-year-old birdied the 12th and converted back-to-back birdies from the 15th to get to minus-14. Fergus got into the clubhouse at 15-under with a birdie on the par-5 18th.
Kite drained a 5-foot eagle putt on the first and came back with a birdie on No. 3. He converted a birdie effort on the seventh and made it two in a row with a birdie on eight.
The 1992 U.S. Open champion gave a stroke back with a bogey on 12. Kite fought back with birdies on 14 and 15 to grab the lead at 15 under. He made it three straight with a birdie at 16.
'That's a great hole,' Kite said of No. 14. 'Jack (Nicklaus) has to be admired for being able to build in my opinion what is truly one of the great, great short par fours in the game of golf. If you can't have fun and get your heart pumping on that hole, something's wrong with you.'
Kite faltered to a three-putt bogey on 17 to fall back to minus-15. At the last, he had a chance to win outright, but he was unable to sink his 10-foot birdie putt and it was off to the playoff.
Second-round leader Don Pooley struggled to a 2-under 70 to come in at 14- under-par 202. He was joined in a share for third place by David Edwards (66), Tom Jenkins (61), Wayne Levi (66) and Scott Simpson (69). Jenkins' 61 matched the course record, which Simpson set on Saturday.
Walter Hall took eighth place at minus-13.