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.
Certificates
Business rates as of 7/1/2024
| Certificate Type | APY* |
|---|---|
| 3 Month | 1.00% |
| 5 Month Special (7/1-8/31/24) | 4.25% |
| 6 Month Smart Saver | 3.04% |
| 12 month | 3.30% |
| 13 Month Special (7/1-8/31/24) | 5.00% ($10,000 of Minimum Opening Balance must be New Money*) |
| 24 Month | 2.27% |
| 36 Month | 2.27% |
| 48 Month | 2.07% |
| 60 Month | 2.07% |
Money Market Savings
Business rates as of 7/1/2024
| 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 | 1.51% |
| $150,000 - $249,999.99 | 1.76% |
| $250,000 and up | 2.02% |
**APY=Annual Percentage Yield. Rates accurate as of 07/01/2024. Rates, terms, and conditions are subject to change. Offer available until 08/31/2024. Promo APY of 5.00% available for a 13-month term share certificate, with a minimum opening deposit totaling $10,000 (must be New Money). †New Money=funds not currently on deposit at TwinStar. Promo APY of 4.25% available for a 5-month term share certificate, with a minimum opening deposit totaling $500. The terms applicable to your Deposit Accounts at TwinStar are provided in the Membership and Account Agreement. Prime/Regular Savings requires $5 minimum balance to maintain membership, and $100 minimum daily balance to earn dividends. Other savings may not require a minimum 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 monthly and will be credited monthly. APY on Certificates assumes dividends will remain on deposit until maturity. A penalty may be imposed for early withdrawal and will impact earnings on the account. Fees may reduce earnings. You must be a TwinStar member to qualify. Upon maturity, your 13 Month Certificate will automatically renew at the current 12 Month Certificate rate & term if not closed. Upon maturity, your 5 Month Certificate will automatically renew at the current 6 Month Certificate rate & term if not closed. Grace period of 7 days after maturity applies. Details and restrictions apply. Please contact TwinStar Credit Union at 1.800.258.3115. Accounts not separately insured. Northwest Community Credit Union, a division of TwinStar Credit Union, accounts are insured by the NCUSIF as accounts of TwinStar Credit Union.
*APY = Annual Percentage Yield. Grace period of 7 days after maturity applies. Rates, terms, and conditions are subject to change. The terms applicable to your Deposit Accounts at TwinStar are provided in the membership agreement. Prime Share account required with minimum balance of $5. Business Prime/Regular Savings requires $100 minimum daily balance to earn dividends. Other savings may not require a minimum balance to earn dividends. An adult 18 or over 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. Fees may reduce earnings. A penalty may be imposed for early withdrawal and will impact earnings on the account. A grace period of 7 days after maturity applies. For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.
Money Market Savings
$1,000 minimum balance required to open the account. 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. No minimum balance required to obtain APY.