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 $25 minimum deposit to begin your Member Business Services relationship.

There are no fees and you'll earn a competitive rate on your savings while having access to the funds with your business debit card or by visiting any one of our branch locations.

Contact a Business Development Officer for help finding the right account for you.


Certificates

Business rates as of 06/01/2015

Certificate Type APY*
3 Month 0.05%
6 Month Smart Saver 0.10%
6 Month Vetarans Family Fund** 0.10%
12 month 0.30%
24 Month 0.55%
36 Month 0.70%
48 Month 1.06%
60 Month 1.26%

Money Market Savings

Business rates as of 06/01/2015

Money Market Balance Range APY*
  $0 - $999.99 0.03%
  $1,000 - $2,999.99 0.07%
  $3,000 - $14,999.99 0.10%
  $15,000 - $24,999.99 0.10%
  $25,000 - $49,999.99 0.15%
  $50,000 - $74,999.99 0.20%
  $75,000 - $99,999.99 0.20%
  $100,000 and up 0.30%
Premium Money Market Balance Range APY*
  $0 - $24,999.99 0.03%
  $25,000 - $49,999.99 0.25%
  $50,000 - $74,999.99 0.30%
  $75,000 - $99,999.99 0.35%
  $100,000 - $149,999.99 0.40%
  $150,000 and up 0.45%

* APY = Annual Percentage Yield. Rates may vary by region. 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. Call TwinStar at (360) 357-9917 in Thurston County, or 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration. Certificates: Prime Share account required with minimum balance of $25. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Members may choose from two dividend payment methods: 1) Dividends compounded monthly, credited monthly or upon closing; OR 2) Dividends compounded at maturity, credited at maturity or upon closing. Minimum to open is $500. Save to Win certificate minimum balance is $25. 12 month term only. See Official Account and Prize Entry Rules for full details. Youth Certificates (must have a Dollar Dog Savings, Outfitter Savings or Outfitter Checking account) are available for terms of 3-60 months. Minimum to open is $100. **For information about Veterans Family Fund certificates, see www.veteransfamilyfund.org/details. Business Certificates are available for all terms. The annual percentage yield listed above assumes dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. IRA Certificates cannot be withdrawn and moved into a non-IRA product without substantial penalties from the Internal Revenue Service. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.


Premium Money Market
$25,000 minimum balance required to open the account.

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. Four free withdrawals per month; $2.00 per withdrawal thereafter. No minimum balance required to obtain APY.

* APY = Annual Percentage Yield. Rates may vary by region. 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. Rates may vary by region. Call TwinStar at (360) 357-9917 in Thurston County, or 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration.