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Certificates

Use your Certificate to stash your cash and earn higher interest in return.  Check our rates below or contact us with your instructions to open a new Certificate account.

Certificates typically offer higher rates than traditional savings accounts when you commit to leave your savings in the Certificate for a specified period. Generally, the longer the period, the better the dividend rate. Money held in Certificates cannot be withdrawn before the maturity date without a penalty. Investing in Certificates requires a minimum deposit.

Use your Certificate to stash your cash and earn higher interest in return. Dividends can also be deposited monthly to your checking account for use on daily expenses. Check our rates below or contact us with your instructions to open a new Certificate account.

Certificate Rates as of
Certificate Term APY* ($500 Minimum Balance)
3 Month 0.30%
6 month Smart Saver 0.85%
12 month Save to Win   Only available in Washington 1.46% ($25 minimum to open)
12 month 1.46%
24 Month 1.97%
36 Month 2.12%
48 Month 2.27%
60 Month 2.53%
IRA Certificates as of
IRA Certificate Term APY* ($500 Minimum Balance)
12 month 1.56%
24 Month 2.07%
36 Month 2.22%
48 Month 2.38%
60 Month 2.63%

*APY = Annual Percentage Yield. Rates, terms, and conditions are subject to change. Fees may reduce earnings.  The terms applicable to your Deposit 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. Members may choose from two dividend payment methods: 1) Dividends compounded monthly, credited monthly or upon closing; OR 2) Dividends credited at maturity or upon closing.  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:  Accrued dividends will not be paid to any account closed prior to the end of the period. Qualifying Credit Union IRA accounts are insured up to $500,000 ($250,000 through NCUA, and $250,000 through Excess Share Insurance). Deposit/withdrawal restrictions may apply. 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.