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Get 5.25% APY* on an 18-month CD

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

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.

Special Certificate Offer

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.