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TwinStar Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.twinstarcu.com
800-258-3115
4525 Intelco Loop SE
Lacey, WA 98503

TwinStar Credit Union is headquartered in LACEY and is the 5th largest credit union in the state of Washington. It is also the 105th largest credit union in the nation. It was established in 1938 and as of December of 2024, it had grown to 837 employees and 261,393 members at 37 locations. TwinStar Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in TwinStar Credit Union is open to those who live or work in the state of Washington or in the Oregon counties of Benton, Clackamas, Coos, Crook, Deschutes, Douglas, Jackson, Jefferson, Josephine, Klamath, Lane, Linn, Marion, Multnomah, or Washington.
See current membership details

Reviews (2)

Good Customer Service, Online Portal. Not A Bad Choice.

Posted by: |

I've been with TwinStar for over a decade and I would say they're fairly good. The tellers have always been nice. Their two-factor authentication is not as bad as other banks or credit unions (easy text or email options).

Only frustration is that I once had to make a large purchase (down payment on a car) and specifically stopped by a branch in person to make sure I could make that payment from my debit card. Then when I was at the dealership, a very long drive from the nearest CU location, my card failed.

The rates do change a lot, and I never really know what I'm getting in interest. But overall, if you're looking for a credit union that works with an online portal that is minimally frustrating, TwinStar isn't a bad option.

1

Absolutely No Customer Loyalty

Posted by: |

I have been a loyal customer for over 10 years. I built my credit through Twinstar, bought my car through them, and have never missed a payment on my card.

Well, in 2023 I fell on hard times, and they screwed me for it. Communication or not, Twinstar will f*** you for a buck. Merry Christmas and Happy New Year.

Do not use this bank if you value good business and integrity.

+1 for Friendly employees. Upper management is the trash.

3


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68271
Year Chartered1938
Employees837
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD6.3%
Annual Interest Income$259.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$4.27B$4.2B
LoansQ4 2024vs Q4 2023$3.38B$3.24B
DepositsQ4 2024vs Q4 2023$3.62B$3.45B
Equity CapitalQ4 2024vs Q4 2023$413.8MM$385.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$34.7MM$28.7MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$19.3MM$18.7MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not TwinStar Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TwinStar Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$0-Level Up Savings w/ 5 Qualifying Loan
4.00%$0-Level Up Savings w/ 4 Qualifying Loan
3.00%$0-Level Up Savings w/ 3 Qualifying Loan
2.00%$0-Level Up Savings w/ 2 Qualifying Loan
1.00%$0$10kKasasa Saver
1.00%$0-Level Up Savings w/ 1 Qualifying Loan
0.05%$100-Prime/Regular Savings
0.05%$0-IRA Share
0.05%$0-Dollar Dog Kids Club
0.05%$0-Outfitter Savings
0.05%$0-Subsidiary Savings
0.05%$0-Holiday Savings
0.05%$0-Level Up Savings w/o Qualifying Loan

TwinStar Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$250k*-Money Market Savings
OTHER TIERS: 0.15% → $0 - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 1.30% → $100k - $150k | 1.40% → $150k - $250k
1.50%*$250k*-Business Money Market
OTHER TIERS: 0.15% → $0 - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 1.30% → $100k - $150k | 1.40% → $150k - $250k
1.50%*$250k*-Executive Money Market
OTHER TIERS: 0.25% → $0 - $1k | 0.40% → $1k - $25k | 0.50% → $25k - $50k | 0.65% → $50k - $100k | 1.30% → $100k - $150k | 1.40% → $150k - $250k

TwinStar Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%*$50k*-Kasasa Cash
OTHER TIERS: 0.05% → $0 - $50k
0.75%$0-IOLTA Trust Checking
0.15%*$100k*-Voyager Checking
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $100k
0.10%*$2.5k*-Prime Advantage Club Checking
OTHER TIERS: 0.05% → $500 - $2.5k
0.05%$0-Explorer Checking

TwinStar Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$10k-11 Month CD Special - New Money
4.00%$500-Business 11 Month CD Special
2.60%$500-6 Month Smart Saver CD
2.60%$500-Business 6 Month Smart Saver CD
2.50%$500-12 Month CD
2.50%$100-12 Month Youth CD
2.50%$500-Business 12 Month CD
2.40%$25-12 Month Save to Win CD
2.20%$500-18 Month CD
2.20%$100-18 Month Youth CD
2.20%$500-Business 18 Month CD
2.05%$500-24 Month CD
2.05%$500-36 Month CD
2.05%$100-24 Month Youth CD
2.05%$100-36 Month Youth CD
2.05%$500-Business 24 Month CD
2.05%$500-Business 36 Month CD
2.00%$500-48 Month CD
2.00%$500-60 Month CD
2.00%$100-48 Month Youth CD
2.00%$100-60 Month Youth CD
2.00%$500-Business 48 Month CD
2.00%$500-Business 60 Month CD
1.00%$500-3 Month CD
1.00%$100-3 Month Youth CD
1.00%$500-Business 3 Month CD

TwinStar Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$10k-11 Month IRA Special - New Money
2.70%$500-6 Month IRA
2.60%$500-12 Month IRA
2.25%$500-18 Month IRA
2.15%$500-24 Month IRA
2.15%$500-36 Month IRA
2.10%$500-48 Month IRA
2.10%$500-60 Month IRA
1.10%$500-3 Month IRA
Locations

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