Deposit rates

Account Type Balance Range APY* Disclosure
Shares
$0.00 and up
0.03%

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
$0.00 and up
1.61%

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
Up to $5000
Over $5000**
1.25%
0.09%

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
$0.00 and up
0.40%

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.

Certificate rates


Puget Sound rates as of 07/01/2015

Certificates APY*
$500 Minimum Balance
Jumbo APY*
$50,000 Minimum Balance
Super Jumbo APY*
$100,000 Minimum Balance
3 Month 0.10% 0.15% 0.20%
6 month
Smart Saver
0.20% 0.25% 0.35%
6 month
Veterans' Family Fund
0.20%    
12 month
Save to Win
0.35%    
12 month 0.35% 0.40% 0.50%
24 Month 0.60% 0.65% 0.70%
36 Month 0.90% 0.95% 1.11%
48 Month 1.21% 1.26% 1.36%
60 Month 1.36% 1.41% 1.56%

IRA Certificates APY*
$500 Minimum Balance
Jumbo APY*
$50,000 Minimum Balance
Super Jumbo APY*
$100,000 Minimum Balance
12 month 0.45% 0.50% 0.60%
24 Month 0.70% 0.75% 0.80%
36 Month 1.01% 1.06% 1.21%
48 Month 1.31% 1.36% 1.46%
60 Month 1.46% 1.51% 1.66%

Southwest Washington rates as of 07/01/2015

Certificates APY*
$500 Minimum Balance
Jumbo APY*
$50,000 Minimum Balance
Super Jumbo APY*
$100,000 Minimum Balance
3 Month 0.10% 0.15% 0.20%
6 month
Smart Saver
0.15% 0.20% 0.25%
6 month
Veterans' Family Fund
0.15%    
12 month
Save to Win
0.35%    
12 month 0.30% 0.40% 0.45%
24 Month 0.60% 0.65% 0.70%
36 Month 0.75% 0.80% 1.01%
48 Month 1.11% 1.16% 1.21%
60 Month 1.31% 1.36% 1.41%

IRA Certificates APY*
$500 Minimum Balance
Jumbo APY*
$50,000 Minimum Balance
Super Jumbo APY*
$100,000 Minimum Balance
12 month 0.40% 0.50% 0.55%
24 Month 0.70% 0.75% 0.80%
36 Month 0.85% 0.90% 1.11%
48 Month 1.21% 1.26% 1.31%
60 Month 1.41% 1.46% 1.51%

Oregon rates as of 07/01/2015

Certificates APY*
$500 Minimum Balance
Jumbo APY*
$50,000 Minimum Balance
Super Jumbo APY*
$100,000 Minimum Balance
3 Month 0.05% 0.10% 0.15%
6 month
Smart Saver
0.20% 0.25% 0.30%
6 month
Veterans' Family Fund
0.20%    
12 month 0.35% 0.40% 0.45%
24 Month 0.60% 0.65% 0.70%
36 Month 0.80% 0.90% 1.01%
48 Month 1.06% 1.11% 1.16%
60 Month 1.31% 1.36% 1.41%

IRA Certificates APY*
$500 Minimum Balance
Jumbo APY*
$50,000 Minimum Balance
Super Jumbo APY*
$100,000 Minimum Balance
12 month 0.45% 0.50% 0.55%
24 Month 0.70% 0.75% 0.80%
36 Month 0.90% 1.01% 1.11%
48 Month 1.16% 1.21% 1.26%
60 Month 1.41% 1.46% 1.51%

* 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.php. 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.

Money Market Savings


Puget Sound rates as of 07/01/2015

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 0.40%
  $150,000 and up 0.45%

Southwest Washington rates as of 07/01/2015

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 0.30%
  $75,000 - $99,999.99 0.30%
  $100,000 - $149,999.99 0.40%
  $150,000 and up 0.45%

Oregon rates as of 07/01/2015

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 0.30%
  $75,000 - $99,999.99 0.30%
  $100,000 - $149,999.99 0.40%
  $150,000 and up 0.45%

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.