Savings

Shares as of
Balance Range APY
$0.00 and up 0.50%
IRA shares as of
Balance Range APY*
$0.00 and up 0.50%
Kasasa Saver as of
Balance Range APY*
Up to $10,000 1.00%
Over $10,000** 0.05%

Shares: * APY = Annual Percentage Yield. Prime/Regular Savings, Dollar Dog Kids Club, Outfitter Savings, Subsidiary Savings, and Holiday Savings. Prime/Regular Savings requires $100.00 minimum daily balance to earn dividends. Other savings do 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. Fees may reduce earnings.

IRA Shares: * APY = Annual Percentage Yield. Dividends are compounded and credited monthly. Accrued dividends will not be paid to any account closed prior to the end of the period. Fees may reduce earnings. (Excluding Prime Advantage Club Members). IRA Certificates available – see certificate terms and conditions. Qualifying Credit Union IRA accounts are insured up to $500,000 ($250,000 through NCUA and $250,000 through Excess Share Insurance). Deposit and/or withdrawal restrictions may apply. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.

Kasasa Saver: * APY = Annual Percentage Yield. Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $10,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.05% interest rate on the portion of the balance over $10,000, resulting in 1.00% - 0.08% APY depending on the balance. APY Range of 1.00%-0.08% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

 

Certificate Rates as of
Certificate Term APY* ($500 Minimum Balance)
3 Month 1.00%
6 month Smart Saver 3.04%
12 month Save to Win   Only available in Washington 3.30% ($25 minimum to open)
12 month 3.30%
24 Month 2.27%
36 Month 2.27%
48 Month 2.07%
60 Month 2.07%
18 Month Special   5.25% ($50,000 minimum to open*)
IRA Certificates as of
IRA Certificate Term APY* ($500 Minimum Balance)
12 month 3.40%
24 Month 2.38%
36 Month 2.38%
48 Month 2.17%
60 Month 2.17%
18 Month IRA Special   5.25% ($50,000 minimum to open*)

*APY=Annual Percentage Yield. Rates accurate as of 12/01/2023. Rates, terms, and conditions are subject to change. Offer available until 03/31/2024. Promo APY of 5.25% available for an 18-month term share certificate, with a minimum opening deposit totaling $50,000 ($25,000 of this opening deposit must be New Money). New Money=funds not currently on deposit at TwinStar. The terms applicable to your Deposit Accounts at TwinStar are provided in the Membership and Account Agreement. Prime/Regular Savings requires $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 18 Month Certificate will automatically renew at the current 12 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 Division accounts are insured by the NCUSIF as accounts of TwinStar Credit Union.

Kasasa Cash

Kasasa Cash Rates as of
Balance Range APY*
$0, Req. not met 0.50%
$0, Qualifications met, up to $50,000 4.07%
$0, Qualifications met, over $50,000 0.50%*

*APY = Annual Percentage Yield. APY is variable. Rates, terms, and conditions accurate as of 02/01/2024 and are subject to change. Fees may reduce earnings. The terms applicable to your Deposit Accounts at TwinStar are provided in the Membership and Account Agreement. Prime Share account required with minimum balance of $5. 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.
Kasasa Cash: Opening balance of $25 required. APY assuming a maximum $100,000 in 2nd tier. Kasasa Cash will be credited to your Kasasa Saver account on the last day of the monthly statement cycle.
Kasasa Cash Back: Earn 1% cash back on debit card purchases with a maximum of $5 per qualification cycle.
Kasasa Tunes: Members 13 and older. Earn up to $20 in iTunes or Amazon refunds upon account signup – subject to expiration. Earn up to $5 each month in iTunes & Amazon.com refunds. No minimum balance to earn rewards.
If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn .05% APY. Requirements: Conduct 12 debit card transactions that post and clear per qualification cycle and sign up for eStatements (valid email address required). For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.

Consumer Checking

as of
Balance Range APY*
$0.00 - $499.99 0.00%
$500 - $2,499.99 0.05%
$2,500 and up 0.10%

*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. Fees may reduce earnings. Share Savings required to obtain checking. Minimum balance of $5 to maintain Share Savings. Prime Advantage Club Checking can earn dividends. Minimum opening deposit of $25 required for checking. Minimum daily balance is required to earn dividends at the corresponding tiered rate above. If during any statement period your account balance falls below the minimum daily balance, dividends will not be paid to your account for that month.  Prime Advantage requires at least $2,000 aggregate balance within a TwinStar Credit Union account OR have direct deposit of payroll or retirement. All rates and programs are subject to change at the discretion of administration. Free checks limited to specialized Prime Advantage Club Checks. Message and data rates may apply. Check with your mobile provider. Contact TwinStar at 360.357.9917 or 1.800.258.3115 for additional rates and details.

Money Market Savings

Money Market Rates as of
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 may vary after account opening. Rates accurate as of 2/01/2024. Rates, terms, and conditions are subject to change. Fees may reduce earnings. The terms applicable to your Deposit Accounts at TwinStar are provided in the Membership and Account Agreement. Prime Share account required for membership with minimum balance of $5. Prime/Regular Savings requires $100 minimum daily balance to earn dividends. $1,000 minimum balance required to open a Money Market account, but does not require a minimum balance be maintained 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 and credited monthly. For complete details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.