Certificates of Deposit

Certificate features

  • Low minimum balance to open - $500
  • Dividends accrue daily and pay monthly, increasing yield
  • Free Online Banking
  • Flexible terms to meet your specific maturity need

Are you looking to deposit less than $500? Learn about Planned Savings.

Trying to create a long-term financial plan? Talk to TwinStar Financial Advisors.

Certificates of deposit typically offer higher rates than traditional savings accounts when you commit to leave your savings in the CD for a specified period. Generally, the longer the period, the better the dividend rate. Money held in CDs cannot be withdrawn before the maturity date without a penalty. Investing in CDs requires a minimum deposit.

Use your Certificate to stash your cash and earn higher interest in return. Dividends can also be deposited monthly to your checking account for use on daily expenses.

Check our rates below or contact us with your instructions to open a new Certificate account.

IRA Certificates

All the advantages of a Certificate of Deposit with the tax deferral incentive of an Individual Retirement Account (IRA). Start your retirement fund with TwinStar Credit Union IRA Certificate.

IRA Certificates cannot be withdrawn and moved into a non-IRA product without substantial penalties from the Internal Revenue Service. Call or come in to learn more about IRA Certificates. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.

Certificate of Deposit Dividend Rates

Puget Sound Region Rates

As of 04/01/2014
Term $500+ IRA Certificates
Rate APY* Rate APY*
3 month 0.05%0.05% N/AN/A
6 month Smart Saver 0.10%0.10% N/AN/A
6 month Veterans' Family Fund 0.10%0.10% N/AN/A
12 month Save to Win 0.15%0.15% N/AN/A
12 month 0.15%0.15% 0.25%0.25%
18 month 0.20%0.20% 0.30%0.30%
24 month 0.25%0.25% 0.35%0.35%
30 month 0.30%0.30% 0.40%0.40%
36 month 0.50%0.50% 0.60%0.60%
48 month 0.60%0.60% 0.70%0.70%
60 month 0.70%0.70% 0.80%0.80%

Southwest Region Rates

As of 04/01/2014
Term $500+ IRA Certificates
Rate APY* Rate APY*
3 month 0.05%0.05% N/AN/A
6 month Smart Saver 0.10%0.10% N/AN/A
6 month Veterans' Family Fund 0.10%0.10% N/AN/A
12 month Save to Win 0.15%0.15% N/AN/A
12 month 0.15%0.15% 0.25%0.25%
18 month 0.20%0.20% 0.30%0.30%
24 month 0.25%0.25% 0.35%0.35%
30 month 0.30%0.30% 0.40%0.40%
36 month 0.50%0.50% 0.60%0.60%
48 month 0.60%0.60% 0.70%0.70%
60 month 0.70%0.70% 0.80%0.80%

Oregon Region Rates

As of 04/01/2014
Term $500+ IRA Certificates
Rate APY* Rate APY*
3 month Smart Saver 0.05%0.05% N/AN/A
6 month Veterans' Family Fund 0.10%0.10% N/AN/A
6 month Save to Win 0.10%0.10% N/AN/A
12 month 0.15%0.15% N/AN/A
12 month 0.15%0.15% 0.25%0.25%
18 month 0.20%0.20% 0.30%0.30%
24 month 0.25%0.25% 0.35%0.35%
30 month 0.30%0.30% 0.40%0.40%
36 month 0.50%0.50% 0.60%0.60%
48 month 0.60%0.60% 0.70%0.70%
60 month 0.70%0.70% 0.80%0.80%

* 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.
CertificatesPrime 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.