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Business Savings Accounts

The foundation of any solid savings strategy, a TwinStar savings account represents your ownership stake in TwinStar Credit Union. All it takes is a $5 membership and a minimum deposit to begin your Member Business Services relationship.

You'll earn a competitive rate on your savings while having access to the funds by visiting any one of our branch locations.

Contact us for help finding the right account for you.

Business Prime Share

For all business members

 

Opening Deposit
$0

Monthly Fee
$0

Balance Tiers for Dividends
>=$100
ATM Usage
Free at NWCU/TwinStar ATMs*

Paper Statement Fee
$3 paper statement fee**

 

 

Business Subsidiary Savings

Business members looking for a secondary share

 

Opening Deposit
$0

Monthly Fee
$0

Balance Tiers for Dividends

>$0

ATM Usage
Free at NWCU/TwinStar ATMs*

Paper Statement Fee
$3 paper statement fee**

 

 

*Fees apply for non-proprietary ATMs, see fee schedule for details
**No statement fee if you are enrolled in eStatements
**No statement fee for clubs/associations and non-profits

Certificate Rates

Rates as of 06/01/25
Certificate Term APY*
3 Month 1.00%
6 Month Smart Saver 2.60%
12 Month Save to WinOnly available in Washington 2.40% ($25 minimum to open)
12 Month 2.50%
18 Month 2.20%
24 Month 2.05%
36 Month 2.05%
48 Month 2.00%
60 Month 2.00%
Certificate Term:
3 Month
APY*:
1.00%
Certificate Term:
6 Month Smart Saver
APY*:
2.60%
Certificate Term:
12 Month Save to WinOnly available in Washington
APY*:
2.40% ($25 minimum to open)
Certificate Term:
12 Month
APY*:
2.50%
Certificate Term:
18 Month
APY*:
2.20%
Certificate Term:
24 Month
APY*:
2.05%
Certificate Term:
36 Month
APY*:
2.05%
Certificate Term:
48 Month
APY*:
2.00%
Certificate Term:
60 Month
APY*:
2.00%
*APY = Annual Percentage Yield. Rates, terms, and conditions are subject to change. Fees may reduce earnings. The terms applicable to your Share Accounts at TwinStar are provided in the Membership and Account Agreement. Prime/Regular Savings requires $100 minimum daily balance to earn dividends. Other savings may not require a minimum balance to earn dividends. A parent or gaurdian must accompany a minor as a joint account owner on any minor accounts. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A penalty may be imposed for early withdrawal and will impact earnings on the account. You must be a TwinStar member to qualify. Upon maturity, your certificate will automatically renew at the current rate if not closed. Save to win: 12-month term only, see Official Account and Prize Entry Rules for full details. Must be 18 or over. A grace period of 7 days after maturity applies. Business certificates are available for all terms. Youth certificates available for terms 3-60 months with a minimum deposit of $100. IRA Certificates cannot be withdrawn and moved into a non-IRA product without potential penalties from the Internal Revenue Service. Check with your tax advisor for specific IRS rules, advice, and tax deductibility on your IRA. For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.

Money Market Savings

Rates as of 06/01/25
Balance Range APY*
$0 - $999.99 0.15%
$1,000 - $9,999.99 0.15%
$10,000 - $24,999.99 0.25%
$25,000 - $49,999.99 0.30%
$50,000 - $99,999.99 0.35%
$100,000 - $149,999.99 1.30%
$150,000 - $249,999.99 1.40%
$250,000 and up 1.50%
Balance Range:
$0 - $999.99
APY*:
0.15%
Balance Range:
$1,000 - $9,999.99
APY*:
0.15%
Balance Range:
$10,000 - $24,999.99
APY*:
0.25%
Balance Range:
$25,000 - $49,999.99
APY*:
0.30%
Balance Range:
$50,000 - $99,999.99
APY*:
0.35%
Balance Range:
$100,000 - $149,999.99
APY*:
1.30%
Balance Range:
$150,000 - $249,999.99
APY*:
1.40%
Balance Range:
$250,000 and up
APY*:
1.50%

*APY = Annual Percentage Yield. Rates may vary after account opening. Minimum of $1,000 deposit required for account opening, minimum balance not required  to earn dividends. Executive MM and IRA MM require an Executive Checking Account. Rates, terms, and conditions are subject to change. Fees may reduce earnings. The terms applicable to your Deposit Accounts at TwinStar are provided in the Membership and Account Agreement. Prime/Regular Savings requires $100 minimum daily balance to earn dividends. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded and credited monthly. For complete details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.