*APY = Annual Percentage Yield. Rates may vary after account opening. Minimum of $1,000 deposit required for account opening, minimum balance not required to earn dividends. Executive MM and IRA MM require an Executive Checking Account. 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/Regular Savings requires $100 minimum daily 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 and credited monthly. For complete details, please contact TwinStar Credit Union at 360.357.9911 or 1.800.258.3115.
Rates
Shares
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| $0.00 and up | 0.05% |
Balance Range:
$0.00 and up
APY*:
0.05%
IRA Shares
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| $0.00 and up | 0.05% |
Balance Range:
$0.00 and up
APY*:
0.05%
Kasasa Saver
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| Up to $10,000 | 1.00% |
| Over $10,000** | 0.05% |
Balance Range:
Up to $10,000
APY*:
1.00%
Balance Range:
Over $10,000**
APY*:
0.05%
Shares: * APY = Annual Percentage Yield. Rates may vary after account opening. 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.
IRA Shares: * APY = Annual Percentage Yield. Rates may vary after account opening. 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.
Kasasa Saver: * APY = Annual Percentage Yield. Rates may vary after account opening. 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 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.05% interest rate on the portion of the balance over $10,000, resulting in 1.00% - 0.08% APY depending on the balance. APY Range of 1.00%-0.08% 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 0.05% 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.
Level Up Savings
Rates as of 06/01/25| Qualifying Loan* | APY** |
|---|---|
| 1 qualifying loan | 1.00% |
| 2 qualifying loans | 2.00% |
| 3 qualifying loans | 3.00% |
| 4 qualifying loans | 4.00% |
| 5 qualifying loans | 5.00% |
| No qualifying loans | 0.05% |
Qualifying Loan*:
1 qualifying loan
APY**:
1.00%
Qualifying Loan*:
2 qualifying loans
APY**:
2.00%
Qualifying Loan*:
3 qualifying loans
APY**:
3.00%
Qualifying Loan*:
4 qualifying loans
APY**:
4.00%
Qualifying Loan*:
5 qualifying loans
APY**:
5.00%
Qualifying Loan*:
No qualifying loans
APY**:
0.05%
*Qualifying loans include consumer loans (excluding Upstart Loans) in good standing with balances over $10,000 and up to one (1) mortgage loan per tax reporting owner on the last day of the prior month; up to five (5) qualifying loans. During the month in which the savings account is opened, the account will earn the “No qualifying loans” rate through the end of the month. Beginning on the 1st day of the following month, the rate associated with the number of qualifying loans will take effect and earned for that month. When an additional qualifying loan is opened, the Level Up Savings rate will be updated the 1st day of the month following the month the qualifying loan was opened. Fees can reduce earnings on the account.
**Annual Percentage Yield. $10 minimum balance required. APR accurate as of 06/01/25. Rate may change after account is opened. Rate is determined by the number of qualifying loans held at the end of the last day of the prior month.
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.
*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.
Kasasa Cash
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| $0, Req. not met | 0.05% |
| $0, Qualifications met, up to $50,000 | 4.07% |
| $0, Qualifications met, over $50,000 | 0.50%* |
Balance Range:
$0, Req. not met
APY*:
0.05%
Balance Range:
$0, Qualifications met, up to $50,000
APY*:
4.07%
Balance Range:
$0, Qualifications met, over $50,000
APY*:
0.50%*
*APY = Annual Percentage Yield. APY is variable. Rates, terms, and conditions accurate as of 06/01/25 and 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/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.
Kasasa Cash: Opening balance of $25 required. APY assuming a maximum $100,000 in 2nd tier. Kasasa Cash will be credited to your Kasasa Saver account on the last day of the monthly statement cycle.
Kasasa Cash Back: Earn 1% cash back on debit card purchases with a maximum of $5 per qualification cycle.
** The average monthly rewards paid for Kasasa Cash checking for qualified accounts in June 2023 was $33.74. Qualified Members earned between $.01 and $528.44. Non-qualified accounts earned an average of $3.20. Calculations provided by Kasasa for the month of June 2023.
Prime Advantage Checking***
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| $0.00 - $499.99 | 0.00% |
| $500 - $2,499.99 | 0.05% |
| $2,500 and up | 0.10% |
Balance Range:
$0.00 - $499.99
APY*:
0.00%
Balance Range:
$500 - $2,499.99
APY*:
0.05%
Balance Range:
$2,500 and up
APY*:
0.10%
*APY = Annual Percentage Yield. ***New Prime Advantage Checking accounts are no longer offered. Rate/terms for existing Prime Advantage only. 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. Fees may reduce earnings. Share Savings required to obtain checking. Prime Advantage Club Checking can earn dividends. Minimum opening deposit of $25 required for checking. Minimum daily balance is required to earn dividends at the corresponding tiered rate above. If during any statement period your account balance falls below the minimum daily balance, dividends will not be paid to your account for that month. Prime Advantage requires at least $2,000 aggregate balance within a TwinStar Credit Union account OR have direct deposit of payroll or retirement. All rates and programs are subject to change at the discretion of administration. Free checks limited to specialized Prime Advantage Club Checks. Message and data rates may apply. Check with your mobile provider. Contact TwinStar at 360.357.9917 or 1.800.258.3115 for additional rates and details.
Money Market Savings
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| $0 - $999.99 | 0.15% |
| $1,000 - $9,999.99 | 0.15% |
| $10,000 - $24,999.99 | 0.25% |
| $25,000 - $49,999.99 | 0.30% |
| $50,000 - $99,999.99 | 0.35% |
| $100,000 - $149,999.99 | 1.30% |
| $150,000 - $249,999.99 | 1.40% |
| $250,000 and up | 1.50% |
Balance Range:
$0 - $999.99
APY*:
0.15%
Balance Range:
$1,000 - $9,999.99
APY*:
0.15%
Balance Range:
$10,000 - $24,999.99
APY*:
0.25%
Balance Range:
$25,000 - $49,999.99
APY*:
0.30%
Balance Range:
$50,000 - $99,999.99
APY*:
0.35%
Balance Range:
$100,000 - $149,999.99
APY*:
1.30%
Balance Range:
$150,000 - $249,999.99
APY*:
1.40%
Balance Range:
$250,000 and up
APY*:
1.50%
Executive Money Market
Rates as of 06/01/25| Balance Range | APY* |
|---|---|
| $0 - $999.99 | 0.25% |
| $1,000 - $9,999.99 | 0.40% |
| $10,000 - $24,999.99 | 0.40% |
| $25,000 - $49,999.99 | 0.50% |
| $50,000 - $99,999.99 | 0.65% |
| $100,000 - $149,999.99 | 1.30% |
| $150,000 - $249,999.99 | 1.40% |
| $250,000 and up | 1.50% |
Balance Range:
$0 - $999.99
APY*:
0.25%
Balance Range:
$1,000 - $9,999.99
APY*:
0.40%
Balance Range:
$10,000 - $24,999.99
APY*:
0.40%
Balance Range:
$25,000 - $49,999.99
APY*:
0.50%
Balance Range:
$50,000 - $99,999.99
APY*:
0.65%
Balance Range:
$100,000 - $149,999.99
APY*:
1.30%
Balance Range:
$150,000 - $249,999.99
APY*:
1.40%
Balance Range:
$250,000 and up
APY*:
1.50%