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Earn More With Your Savings

Retirement. Rainy day fund. Endless possibilities. Build your savings and your future with a high-yield CD.

What are the Benefits of a Certificate of Deposit?

A Certificate of Deposit (CD), offers a wide range of benefits, including:

  • Higher rates. Because you agree to keep your money in a CD for a set amount of time, CDs can offer higher interest rates on your deposit. The interest rate depends on the CD terms and current market.
  • Guaranteed return on your deposit. CDs are predictable because their interest rates are fixed. This makes it easy to determine how much interest you’ll earn over time. You can choose CD terms and interest rates that can help you achieve financial goals.
  • CDs are safe. CDs offered through NCUA-insured institutions like TwinStar are fully insured up to $250,000, meaning you are covered no matter what. 

A Certificate of Deposit (CD) allows you to build on your savings — similar to a traditional savings account and a money market account. The key difference is that you can’t withdraw money from a CD before it matures without penalty, whereas with regular savings or money market savings account, you can withdraw money whenever you need. 

How to Open a Certificate of Deposit 

Members may open a Certificate of Deposit with TwinStar by visiting your local branch or calling 800.258.3115. You’ll need a minimum deposit of $500 to open a CD, or $25 for a Save To Win CD. There is no monthly maintenance fee for CDs opened through TwinStar.

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%
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%