Business Savings Accounts
The foundation of any solid savings strategy, a TwinStar savings account represents your ownership stake in TwinStar Credit Union.
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
Certificates
Business rates as of 3/3/2025
| Certificate Type | APY* |
|---|---|
| 3 Month | 1.00% |
| 6 Month Smart Saver | 2.60% |
| 11 Month Special* (Limited time offer) | 4.00% |
| 12 month | 2.50% |
| 18 month | 2.20% |
| 24 Month | 2.05% |
| 36 Month | 2.05% |
| 48 Month | 2.00% |
| 60 Month | 2.00% |
Rates accurate as of 3/3/2025.
*APY = Annual Percentage Yield. $500 minimum balance required to open the account. Business Shares require $100 minimum daily balance to earn dividends. New Money = funds not currently on deposit at TwinStar or Northwest Community Credit Union, a division of TwinStar (NWCU). Special Offer available on consumer, business and IRA share certificates starting 12/03/2024. Special Promo APY of 4.00% available for 11-month term share certificates, with a minimum opening deposit of either $500 of a current maturing certificate held at TwinStar/NWCU, or $10,000 deposit of New Money. Upon maturity, your 11 Month Certificate will automatically renew at the current 12 Month Certificate rate & term if not closed. Rates, terms, and conditions are subject to change. The terms applicable to your Share Accounts at TwinStar are provided in the membership agreement. 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 applies. For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.
Money Market Savings
Business rates as of 3/3/2025
| 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% |
**Money Market Savings Minimum of $1,000 deposit required for account opening. 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. Rates may vary after account opening. Fees may reduce earnings. For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.