Rates

Certificate Rates as of
Certificate Term APY* ($500 Minimum Balance)
3 Month 0.30%
6 month Smart Saver 0.85%
12 month Save to Win   Only available in Washington 1.46% ($25 minimum to open)
12 month 1.46%
24 Month 1.97%
36 Month 2.12%
48 Month 2.27%
60 Month 2.53%
IRA Certificates as of
IRA Certificate Term APY* ($500 Minimum Balance)
12 month 1.56%
24 Month 2.07%
36 Month 2.22%
48 Month 2.38%
60 Month 2.63%

*APY = Annual Percentage Yield. 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 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. Members may choose from two dividend payment methods: 1) Dividends compounded monthly, credited monthly or upon closing; OR 2) Dividends credited at maturity or upon closing.  The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A penalty may be imposed for early withdrawal and will impact earnings on the account. You must be a TwinStar member to qualify.  Upon maturity, your certificate will automatically renew at the current rate if not closed. Save to win: 12 month term only, see Official Account and Prize Entry Rules for full details. Must be 18 or over. A grace period of 7 days after maturity applies. Business certificates are available for all terms. Youth certificates available for terms 3-60 months with a minimum deposit of $100.  IRA:  Accrued dividends will not be paid to any account closed prior to the end of the period. Qualifying Credit Union IRA accounts are insured up to $500,000 ($250,000 through NCUA, and $250,000 through Excess Share Insurance). Deposit/withdrawal restrictions may apply. IRA Certificates cannot be withdrawn and moved into a non-IRA product without potential penalties from the Internal Revenue Service.  Check with your tax advisor for specific IRS rules, advice, and tax deductibility on your IRA. For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.

Savings

Shares as of
Balance Range APY
$0.00 and up 0.05%
IRA shares as of
Balance Range APY*
$0.00 and up 0.50%
Kasasa Saver as of
Balance Range APY*
Up to $10,000 1.25%
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 1.25%; 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 1.25% - 0.14% APY depending on the balance. APY Range of 1.25%-0.16% 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.

 

Kasasa Cash

Kasasa Cash Rates as of
Balance Range APY*
$0, Req. not met 0.05%
$0, Qualifications met, up to $25,000 3.00%
$0, Qualifications met, over $25,000 3.00%-0.79%*

* APY = Annual Percentage Yield. One Kasasa® checking per prime member age 18 and older. Rewards based on qualifications. $25 minimum opening deposit. Qualifications: 1) Conduct 12 debit card transactions that post and settle per qualification cycle. Please note that not all transactions are posted the same day they are conducted. ATM transactions and deposits/credits do not count toward the debit card transaction qualification. 2) Sign up for eStatements (valid e-mail address required) and accept the eStatement Consent to Electronic Delivery disclosure. 3) Access Online Banking at least once per qualification cycle. 4) Upon meeting account reward qualifications, dividends are compounded and credited monthly. Qualifications for rewards are calculated from the last day of the month to the day before the last day of the next month (qualification cycle). APY Range of 3.00%-0.79% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. Fees may reduce earnings. No ATM surcharge fees when check (debit) card is used at TwinStar ATMs. ATM fee(s) charged by non-proprietary ATMs will be reimbursed up to $20 per account per qualification cycle (applies to debit card ATM fees only – International transaction fees will not be refunded). Kasasa Saver: Minimum to open is $5 for Kasasa Saver. Kasasa 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 Back are met each monthly qualification cycle:(1) balances up to $10,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $10,000 in Kasasa Saver earn 0.05% APY on the portion of the balance over $10,000, resulting in 1.25% - 0.14% APY depending on the balance. Fees may reduce earnings. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Mobile and data rates may apply. Check with your provider. For details, please contact TwinStar Credit Union at 360.357.9911 or 800.258.3115. Federally insured by NCUA.

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. Member's Choice and Prime Advantage Club 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 0.05%
$1,000 - $9,999.99 0.15%
$10,000 - $24,999.99 0.40%
$25,000 - $49,999.99 0.50%
$50,000 - $149,999.99 1.00%
$150,000 and up 1.26%

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 800.258.3115 for additional rates. All rates and programs are subject to change at the discretion of administration.