Loan Rates

Home Loans See page for details
Auto Loans
As low as 2.99% APR
Motorcycle and Scooter Loans
As low as 4.74% APR
RV loans
As low as 4.24% APR
Boat Loans
As low as 5.74% APR
Horse and Cargo Trailers
As low as 5.74% APR
Personal Loans See page for details
ChoiceLine Home Equity
As low as 3.25% APR
Bike Loans
As low as 2.99% APR

Deposit rates

  • Shares

    Balance Range
    • $0.00 and up
    APY*
    • 0.03%
    Disclosure:

    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.

  • Planned Savings

    Balance Range
    • $0.00 and up
    APY*
    • 1.61%
    Disclosure:

    Dividend rate will be 1.5% to 2.0% above Prime/Regular Savings Rate and is fixed for the term. 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. Minimum term six months; maximum term 36 months. Deposits may not exceed an aggregate of $500 per member per month in all planned savings accounts (includes the total of initial and/or monthly deposits).

  • Kasasa Saver

    Balance Range
    • Up to $5000
    • Over $5000**
    APY*
    • 1.25%
    • 0.09%
    Disclosure:

    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 $5,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $5,000 in Kasasa Saver earn 0.03% interest rate on the portion of the balance over $5,000, resulting in 1.25% - 0.03% APY depending on the balance. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.03% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
    **APY Range of 1.25%-0.09% depends on balance maintained, assuming a maximum $100,000 in 2nd tier

  • IRA Shares

    Balance Range
    • $0.00 and up
    APY*
    • 0.40%
    Disclosure:

    Dividends are compounded and credited monthly. Accrued dividends will not be paid to any account closed prior to the end of the period. $5.00 annual maintenance fee. (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.

Money Market Savings


Puget Sound rates as of 03/01/2015

Money Market Balance Range APY*
  $0 - $999.99 0.03%
  $1,000 - $2,999.99 0.07%
  $3,000 - $14,999.99 0.10%
  $15,000 - $24,999.99 0.10%
  $25,000 - $49,999.99 0.15%
  $50,000 - $74,999.99 0.20%
  $75,000 - $99,999.99 0.20%
  $100,000 and up 0.30%
Premium Money Market Balance Range APY*
  $0 - $24,999.99 0.03%
  $25,000 - $49,999.99 0.25%
  $50,000 - $74,999.99 0.30%
  $75,000 - $99,999.99 0.35%
  $100,000 - $149,999.99 0.35%
  $150,000 and up 0.35%

Southwest Washington rates as of 03/01/2015

Money Market Balance Range APY*
  $0 - $999.99 0.03%
  $1,000 - $2,999.99 0.15%
  $3,000 - $14,999.99 0.15%
  $15,000 - $24,999.99 0.15%
  $25,000 - $49,999.99 0.20%
  $50,000 - $74,999.99 0.20%
  $75,000 - $99,999.99 0.20%
  $100,000 and up 0.30%
Premium Money Market Balance Range APY*
  $0 - $24,999.99 0.03%
  $25,000 - $49,999.99 0.20%
  $50,000 - $74,999.99 0.25%
  $75,000 - $99,999.99 0.25%
  $100,000 - $149,999.99 0.30%
  $150,000 and up 0.35%

Oregon rates as of 03/01/2015

Money Market Balance Range APY*
  $0 - $999.99 0.03%
  $1,000 - $2,999.99 0.10%
  $3,000 - $14,999.99 0.10%
  $15,000 - $24,999.99 0.15%
  $25,000 - $49,999.99 0.15%
  $50,000 - $74,999.99 0.20%
  $75,000 - $99,999.99 0.20%
  $100,000 and up 0.30%
Premium Money Market Balance Range APY*
  $0 - $24,999.99 0.03%
  $25,000 - $49,999.99 0.20%
  $50,000 - $74,999.99 0.25%
  $75,000 - $99,999.99 0.25%
  $100,000 - $149,999.99 0.30%
  $150,000 and up 0.35%

Premium Money Market
$25,000 minimum balance required to open the account.

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 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration.

Certificate rates


Puget Sound rates as of 03/01/2015

Certificate Type APY* Jumbo APY* IRA APY* Jumbo IRA APY*
3 Month 0.05%      
6 month Smart Saver 0.10%      
6 month Veterans' Family Fund 0.10%      
12 month Save to Win 0.30%      
12 month 0.30% 0.35% 0.40% 0.45%
18 Month 0.40% 0.45% 0.50% 0.55%
24 Month 0.55% 0.60% 0.65% 0.70%
30 Month 0.60% 0.65% 0.70% 0.75%
36 Month 0.70% 0.75% 0.80% 0.85%
48 Month 1.06% 1.11% 1.16% 1.21%
60 Month 1.26% 1.31% 1.36% 1.41%

Southwest Washington rates as of 03/01/2015

Certificate Type APY* Jumbo APY* IRA APY* Jumbo IRA APY*
3 Month 0.05%      
6 month Smart Saver 0.10%      
6 month Veterans' Family Fund 0.10%      
12 month Save to Win 0.30%      
12 month 0.30% 0.35% 0.40% 0.45%
18 Month 0.40% 0.45% 0.50% 0.55%
24 Month 0.55% 0.60% 0.65% 0.70%
30 Month 0.60% 0.65% 0.70% 0.75%
36 Month 0.70% 0.75% 0.80% 0.85%
48 Month 1.06% 1.11% 1.16% 1.21%
60 Month 1.26% 1.31% 1.36% 1.41%

Oregon rates as of 03/01/2015

Certificate Type APY* Jumbo APY* IRA APY* Jumbo IRA APY*
3 Month 0.05%      
6 month Smart Saver 0.10%      
6 month Veterans' Family Fund 0.10%      
12 month Save to Win 0.30%      
12 month 0.30% 0.35% 0.40% 0.45%
18 Month 0.40% 0.45% 0.50% 0.55%
24 Month 0.55% 0.60% 0.65% 0.70%
30 Month 0.60% 0.65% 0.70% 0.75%
36 Month 0.70% 0.75% 0.80% 0.85%
48 Month 1.06% 1.11% 1.16% 1.21%
60 Month 1.26% 1.31% 1.36% 1.41%

* 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. Certificates: Prime 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.

Consumer Checking

As of: 03/01/2015
  Balance Range APY*
Consumer Checking $0.00 - $499.99 0.00%
  $500 - $999.99 0.05%
  $1,000 - $2,499.99 0.05%
  $2,500 and up 0.10%

Consumer Checking Member's Choice and Prime Advantage Club earn dividends. Minimum daily balance is required to earn dividends at the corresponding tiered rate. 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.


As of: 03/01/2015
  Balance Range APY*
Kasasa Cash (formerly Accelerator Checking) $0, Req. not met 0.03%
  $0, Qualifications met, up to $15,000 2.00%
  $0, Qualifications met, over $15,000 2.00%-0.51%**

Kasasa Cash (formerly Accelerator Checking)
One Kasasa® checking per prime member. Members age 18 and older. No monthly service charge. $25 opening deposit qualification. Rewards based on certain qualifications***. Rewards: Premium dividend rate. No ATM surcharge fees when check (debit) card is used at TwinStar ATMs. ATM fee(s) charged by foreign 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 Cash® rewards and ATM surcharge refunds 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. ** APY Range of 2.00%-0.51% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. ***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 = 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 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration.