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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 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
Rates as of 06/01/25| Certificate Term | APY* |
|---|---|
| 3 Month | 1.00% |
| 6 Month Smart Saver | 2.60% |
| 12 Month Save to WinOnly available in Washington | 2.40% ($25 minimum to open) |
| 12 Month | 2.50% |
| 18 Month | 2.20% |
| 24 Month | 2.05% |
| 36 Month | 2.05% |
| 48 Month | 2.00% |
| 60 Month | 2.00% |
Certificate Term:
3 Month
APY*:
1.00%
Certificate Term:
6 Month Smart Saver
APY*:
2.60%
Certificate Term:
12 Month Save to WinOnly available in Washington
APY*:
2.40% ($25 minimum to open)
Certificate Term:
12 Month
APY*:
2.50%
Certificate Term:
18 Month
APY*:
2.20%
Certificate Term:
24 Month
APY*:
2.05%
Certificate Term:
36 Month
APY*:
2.05%
Certificate Term:
48 Month
APY*:
2.00%
Certificate Term:
60 Month
APY*:
2.00%
IRA Certificates
Rates as of 06/01/25| IRA Certificate Term | APY* |
|---|---|
| 3 Month | 1.10% |
| 6 Month | 2.70% |
| 12 Month | 2.60% |
| 18 Month | 2.25% |
| 24 Month | 2.15% |
| 36 Month | 2.15% |
| 48 Month | 2.10% |
| 60 Month | 2.10% |
IRA Certificate Term:
3 Month
APY*:
1.10%
IRA Certificate Term:
6 Month
APY*:
2.70%
IRA Certificate Term:
12 Month
APY*:
2.60%
IRA Certificate Term:
18 Month
APY*:
2.25%
IRA Certificate Term:
24 Month
APY*:
2.15%
IRA Certificate Term:
36 Month
APY*:
2.15%
IRA Certificate Term:
48 Month
APY*:
2.10%
IRA Certificate Term:
60 Month
APY*:
2.10%
*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/Regular Savings requires $100 minimum daily balance to earn dividends. Other savings may not require a minimum balance to earn dividends. A parent or gaurdian 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.