Deposit rates

  • Shares

    Balance Range
    • $0.00 and up
    APY*
    • 0.03%
    Disclosure:

    * APY = Annual Percentage Yield. Prime/Regular Savings, Dollar Dog Kids Club, Outfitter Savings, Subsidiary Savings, and Holiday Savings. Prime/Regular Savings requires $100.00 minimum daily balance to earn dividends. Other savings do 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. Fees may reduce earnings.

  • Kasasa Saver

    Balance Range
    • Up to $10,000
    • Over $10,000**
    APY*
    • 1.25%
    • 0.03%
    Disclosure:

    * APY = Annual Percentage Yield. Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $10,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $10,000 in Kasasa Saver earn 0.03% interest rate on the portion of the balance over $10,000, resulting in 1.25% - 0.14% APY depending on the balance. APY Range of 1.25%-0.14% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.03% APY. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

  • IRA Shares

    Balance Range
    • $0.00 and up
    APY*
    • 0.40%
    Disclosure:

    * APY = Annual Percentage Yield. Dividends are compounded and credited monthly. Accrued dividends will not be paid to any account closed prior to the end of the period. Fees may reduce earnings. (Excluding Prime Advantage Club Members). IRA Certificates available – see certificate terms and conditions. Qualifying Credit Union IRA accounts are insured up to $500,000 ($250,000 through NCUA and $250,000 through Excess Share Insurance). Deposit and/or withdrawal restrictions may apply. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.

Certificate rates


Puget Sound certificate rates as of 10/01/2018
Certificate
Term
APY*
($500 Minimum Balance)
3 Month 0.20%
6 month
Smart Saver
0.30%
12 month
Save to Win
0.60%
12 month 0.60%
18 Month Special Certificate** 1.77% ($5000 Minimum Balance)
24 Month 0.90%
36 Month 1.26%
48 Month 1.46%
60 Month 1.66%

Puget Sound IRA certificate rates as of 10/01/2018
IRA Certificate
Term
APY*
($500 Minimum Balance)
12 month 0.70%
24 Month 1.00%
36 Month 1.36%
48 Month 1.56%
60 Month 1.76%
Southwest Washington certificate rates as of 10/01/2018
Certificate
Term
APY*
($500 Minimum Balance)
3 Month 0.20%
6 month
Smart Saver
0.30%
12 month
Save to Win
0.60%
12 month 0.60%
18 Month Special Certificate** 1.77% ($5000 Minimum Balance)
24 Month 0.90%
36 Month 1.26%
48 Month 1.46%
60 Month 1.66%

Southwest Washington IRA certificate rates as of 10/01/2018
IRA Certificate
Term
APY*
($500 Minimum Balance)
12 month 0.70%
24 Month 1.00%
36 Month 1.36%
48 Month 1.56%
60 Month 1.76%
Oregon certificate rates as of 10/01/2018
Certificate
Term
APY*
($500 Minimum Balance)
3 Month 0.20%
6 month
Smart Saver
0.30%
12 month 0.60%
18 Month Special Certificate** 1.77% ($5000 Minimum Balance)
24 Month 0.90%
36 Month 1.26%
48 Month 1.46%
60 Month 1.66%

Oregon IRA certificate rates as of 10/01/2018
IRA Certificate
Term
APY*
($500 Minimum Balance)
12 month 0.70%
24 Month 1.00%
36 Month 1.36%
48 Month 1.56%
60 Month 1.76%

* APY = Annual Percentage Yield. Rates may vary by region. 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. Call TwinStar at (360) 357-9917 in Thurston County, or 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration. Certificates: Prime Share account required with minimum balance of $25. 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 compounded at maturity, credited at maturity or upon closing. Minimum to open is $500. Save to Win certificate minimum balance is $25. 12 month term only. See Official Account and Prize Entry Rules for full details. Youth Certificates (must have a Dollar Dog Savings, Outfitter Savings or Outfitter Checking account) are available for terms of 3-60 months. Minimum to open is $100. Business Certificates are available for all terms. The annual percentage yield listed above assumes dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. Fees may reduce earnings. IRA Certificates cannot be withdrawn and moved into a non-IRA product without substantial penalties from the Internal Revenue Service. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.

**Limited time offer.

Money Market Savings


Puget Sound rates as of 10/01/2018

Balance Range APY*
$1,000 - $9,999.99 0.10%
$10,000 - $24,999.99 0.15%
$25,000 - $49,999.99 0.20%
$50,000 - $99,999.99 0.30%
$100,000 - $149,999.99 0.40%
$150,000 and up 0.50%

Southwest Washington rates as of 10/01/2018

Balance Range APY*
$1,000 - $9,999.99 0.10%
$10,000 - $24,999.99 0.15%
$25,000 - $49,999.99 0.20%
$50,000 - $99,999.99 0.30%
$100,000 - $149,999.99 0.40%
$150,000 and up 0.50%

Oregon rates as of 10/01/2018

Balance Range APY*
$1,000 - $9,999.99 0.10%
$10,000 - $24,999.99 0.15%
$25,000 - $49,999.99 0.20%
$50,000 - $99,999.99 0.30%
$100,000 - $149,999.99 0.40%
$150,000 and up 0.50%

Money Market Savings
$1,000 minimum balance required to open the account. 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. Four free withdrawals per month; $2.00 per withdrawal thereafter. No minimum balance required to obtain APY.

* APY = Annual Percentage Yield. Rates may vary by region. 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. Rates may vary by region. Call TwinStar at (360) 357-9917 in Thurston County, or 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration.