Disclosures

We share this information with you to help you make more informed decisions, and as required by law. All disclosures are provided in PDF format. If you would like to receive copies in other formats, need earlier versions of these documents, or if you have any questions about these disclosures, please contact us.

Insured Deposits

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, through the National Credit Union Administration (NCUA), a U.S. Government Agency.

Privacy Policy

What does TwinStar Credit Union do with your personal information? Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


PDF icon Privacy-Policy 09-2016.pdf

Check Sentry Overdraft Protection

What You Need To Know About Overdrafts and Overdraft Fees


PDF icon Check-Sentry-01-2018.pdf

Truth in Savings

A listing of all the savings and checking accounts offered by TwinStar Credit Union, along with their terms and conditions.

PDF icon 037-Truth-In-Save-02052019.pdf

Funds Availability Schedule (Regulation CC)

Our policy for making funds available after deposit and circumstances in which delays may apply.

PDF icon 038-Funds-Avail-01172017.pdf

Funds Transfer Agreement and Notice (Regulation J)

The duties, responsibilities and liabilities of all parties involved in a funds transfer.

PDF icon 054-Funds-Tran-06012018.pdf

Electronic Funds Transfer Services Disclosure and Agreement (Regulation E)

Terms and conditions related to use of VISA debit cards, ATM cards, Credit Union Connection (telephone banking), Online Banking, Bill Payer, Electronic Debit/Credit, and Direct Deposit, include error resolution.

PDF icon 034-Elect-Funds-Trans-11062018.pdf

Deposit Agreement and Disclosure

Terms of agreement for all share, savings, and checking accounts. Includes a schedule of fees.

PDF icon 008-Deposit-Agree-and-Disclosure-06192018.pdf

Remote Deposit Capture Application End User License Agreement

Terms of agreement for Remote Deposit Capture Application on Mobile Devices

PDF icon Remote-Deposit-Capture-EULA.pdf

Business Membership Account Agreement (PDF)

This Agreement is the contract of deposit, which covers your and our rights and responsibilities concerning Business Membership and account(s) offered to you.

PDF icon B02-Business-Membership-Account-Agreement-02082018.pdf

Online Access Agreement and Disclosure Statement

This agreement states the terms and conditions that apply when you open qualifying account(s) on the Internet, Internet-enable qualifying account(s), access account information over the Internet, or transfer funds between qualifying Internet-enabled accounts. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement.


PDF icon 056-Online-Access-Agreement-and-Disclosure-Statement--07-2018.pdf

Text Banking Disclaimer

SUMMARY OF TERMS: By entering your phone number you acknowledge that you agree to the terms of service and are subscribed until you send STOP to TwinStar Credit Union Text Banking, provided by TwinStar Cr

Web Privacy Policy

This Web Privacy Policy explains how TwinStar Credit Union collects and uses the information you provide to us, to help you make informed decisions when you use our website, vendor sites or mobile applications.

Visa Credit Card Agreement

Credit Card Agreement for TwinStar Credit Union Visa Cards

PDF icon TwinStarCU-Credit-Card-Agreement--11-2017.pdf

eDocument Delivery Agreement

This statement requests your consent to permit TwinStar Credit Union to provide communications and information to you in secure electronic form rather than in paper form for your selected accounts.

PDF icon eDocuments-Delivery-Agreement-07-2018.pdf

Pick Your Pic − Terms & Conditions

  1. TwinStar Credit Union provides Pick Your Pic service subject to the following terms and conditions. These terms and conditions are in addition to those found in the Cardholder Agreement governing all use of your Card.

Card Fraud Text Alerts Disclosure

You agree to provide the Credit Union with a valid mobile number. You agree that the Credit Union may send you text messages through your wireless provider. Card Fraud Text Alerts will be sent through U.S.