TwinStar Credit Union

Overview / Commentary
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 104th largest credit union in the nation. It was established in 1938 and as of December of 2023, it had grown to 779 employees and 256,254 members at 37 locations. TwinStar Credit Union's money market rates are 5X 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 (7)


I've been in multiple branches and each time the customer service has been amazing! I love their products and services. The Longview branch rocks! TWINSTAR IS AWESOME!

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

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.

Solid Credit Union

I joined TwinStar Credit Union in 2011 when I moved back to the Washington area. I selected Twin Star over WSECU based on better interest rates on both checking accounts and loan programs. I have been with TwinStar ever since. I am an active user, with both online and in person interactions on a weekly basis.

I have both a savings and checking account with Twin Star. I get a pretty good interest rate on my checking, I think it is 2.25%apr each month as long as I use my debit card 12 times. Because I am a big saver, I earned over $300 in interest last year, which was nice.

The online system for TwinStar is ok. Occasionally it will be down for repairs, which can be frustrating but understandable. I'm able to transfer funds without much problem, and they have a mobile app, which is also nice.

Overall, the customer service at Twinstar has been really good. Workers are more friendly around my area than other banking institutions, and they have some built in security questions when you work with a teller on your account, so it feels a little more secure.

I think the checking and savings accounts at Twinstar have been really helpful for me, and I haven't ever been hit with any weird fees. Hope this review helps!

Fees Are Crazy.

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I accidently overdrew by $4.00 and they charged me $30 and didn't get my money back. These guys are greedy. They piss me off badly.

Absolutely No Customer Loyalty

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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.

Bad Customer Service. Make Changes Without Notification.

Twinstar just dropped rates from 2.50% TO 2.25% rate and and effective April 1, 2013 maximum principal interest payments reduced from $20K to $15K. However,  the reduction in interest rate is effective March 1, 2013.  The notification in mail arrived Feb 28, 2013 and Feb 28, 2013 bank statement was issued March 1, 2013 and neither states interest rate reduction is effective immediately.  Problems with deception are rampant at this institution. Unlike other insttitutions, they do not give advanced warning of rate reduction.

Horrible Service

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I used to bank with TwinStar and have now switched to another credit union. Every time I call with questions I am yelled at by their customer representatives. They are rude and don't have proper knowledge of loans. They also messed up my interest rate from 6% to 13% somehow, and when I called to have it fixed they were rude and wouldn't help me until I wrote a complaint to the main office. I called with a question just today about the auto loan I still am making payments on and the lady I talked to wouldn't patch me through to someone who could answer my questions. Once I pay off my auto loan in a few months I will never use TwinStar again.


Health Grade Components

NCUA #68271
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.38%
Annual Interest Income$184.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.2B$2.25B
LoansQ4 2023vs Q4 2022$3.24B$1.66B
DepositsQ4 2023vs Q4 2022$3.45B$1.97B
Equity CapitalQ4 2023vs Q4 2022$385.2MM$160.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$28.7MM$12.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$18.7MM$7.7MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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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

1.00%-$10kKasasa Saver
0.50%$100-Prime/Regular Savings
0.50%--IRA Share
0.50%--Dollar Dog Kids Club
0.50%--Outfitter Savings
0.50%--Subsidiary Savings
0.50%--Holiday Savings

TwinStar Credit Union Money Market Rates

2.02%*$250k*-Money Market Savings
OTHER TIERS: 0.15% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 1.51% $100k - $150k | 1.76% $150k - $250k
2.02%*$250k*-Business Money Market
OTHER TIERS: 0.15% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 1.51% $100k - $150k | 1.76% $150k - $250k

TwinStar Credit Union Checking Account Rates

4.07%*-$50kKasasa Cash
OTHER TIERS: 0.50% $50k+
0.75%--IOLTA Trust Checking
0.15%*$100k*-Voyager Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $100k
0.10%*$2.5k*-Prime Advantage Club Checking
OTHER TIERS: 0.05% $500 - $2.5k
0.05%--Explorer Checking

TwinStar Credit Union CD Rates

5.25%$50k-Business 18 Month CD Special
5.25%$50k-18 Month CD Special
3.30%$500-12 Month CD
3.30%$100-12 Month Youth CD
3.30%$500-Business 12 Month CD
3.30%$25-12 Month Save to Win CD
3.04%$500-6 Month Smart Saver CD
3.04%$500-Business 6 Month Smart Saver CD
2.27%$500-24 Month CD
2.27%$500-36 Month CD
2.27%$100-24 Month Youth CD
2.27%$100-36 Month Youth CD
2.27%$500-Business 24 Month CD
2.27%$500-Business 36 Month CD
2.07%$500-48 Month CD
2.07%$500-60 Month CD
2.07%$100-48 Month Youth CD
2.07%$100-60 Month Youth CD
2.07%$500-Business 48 Month CD
2.07%$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

5.25%$50k-18 Month IRA Special
3.40%$500-12 Month IRA
2.38%$500-24 Month IRA
2.38%$500-36 Month IRA
2.17%$500-48 Month IRA
2.17%$500-60 Month IRA


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