Guy outside with red shirt and black hat on it

Earn More With Your Savings

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

Special Certificate Offer!

Let us help you grow your savings. Take advantage of a special CD that gives you the flexibility and financial freedom you deserve. 

Illustration of woman in an apple orchard holding a crate of apples.

4.00% APY** on an 11-month CD

  • 4.00% APY** 
  • 11-month CD term  
  • $500 standard minimum deposit required
  • 4.00% APY is available for opening a CD with $10,000 in new money**
  • 4.00% APY is also available for existing members who are rolling over maturing CDs into this special only.**

Call us at 800.258.3115 or visit your local branch to get started. 

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 are offered through NCUA-insured institutions like TwinStar. 

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*
3 Month 1.00%
6 Month Smart Saver 2.60%
11 Month Special   Limited time offer 4.00% **
12 Month Save to Win   Only available in Washington 2.40% ($25 minimum to open)
12 Month 2.50%
24 Month 2.05%
36 Month 2.05%
48 Month 2.00%
60 Month 2.00%
IRA Certificates as of
IRA Certificate Term APY*
12 Month 2.60%
24 Month 2.15%
36 Month 2.15%
48 Month 2.10%
60 Month 2.10%

**APY = Annual Percentage Yield. Special Offer available on consumer, business and IRA share certificates starting 12/03/2024. Special Promo APY of 4.00% available for 11-month term share certificates, with a minimum opening deposit of $500 (deposit of $500 for renewing CDs or a $10,000 deposit of New Money for new CDs).  New Money=funds not currently on deposit at TwinStar Credit Union or Northwest Credit Union, a division of TwinStar. Upon maturity, your 11 Month Certificate will automatically renew at the current 12 Month Certificate rate & term if not closed. A grace period of 7 days applies. Rates, terms, and conditions are subject to change. The terms applicable to your Share Accounts at TwinStar are provided in the membership agreement. Prime Share account required with minimum balance of $5. Business 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. Dividends are compounded monthly and will be credited monthly. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. Fees may reduce earnings. A penalty may be imposed for early withdrawal and will impact earnings on the account. A grace period of 7 days after maturity applies. For details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.

*APY = Annual Percentage Yield. Rates, terms, and conditions are subject to change. Fees may reduce earnings. The terms applicable to your Share 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. Dividends are compounded monthly and will be credited monthly. 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 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.