TwinStar Credit Union

Overview / Commentary
4525 Intelco Loop SE
Lacey, WA 98503

TwinStar Credit Union is headquartered in LACEY and is the 10th largest credit union in the state of Washington. It is also the 198th largest credit union in the nation. It was established in 1938 and as of June of 2021, it had grown to 422 employees and 137,812 members at 23 locations. TwinStar Credit Union 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 counties of Multnomah, Clackamas, Marion or Washington in Oregon.
See current membership details

Reviews (5)


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!

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.

Posted by: |

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.

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

Posted by: |

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 - YTD0.97%
Return on Equity - YTD10.67%
Annual Interest Income$31.9MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.03B$1.69B
LoansQ2 2021vs Q2 2020$1.25B$1.18B
DepositsQ2 2021vs Q2 2020$1.82B$1.51B
Equity CapitalQ2 2021vs Q2 2020$182.3MM$165.0MM
Loan Loss AllowanceQ2 2021vs Q2 2020$13.9MM$14.8MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$2.5MM$2.8MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Report an Issue

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%--IRA Share
0.05%$100-Prime/Regular Savings
0.05%--Dollar Dog Kids Club
0.05%--Outfitter Savings
0.05%--Subsidiary Savings
0.05%--Holiday Savings

TwinStar Credit Union Money Market Rates

0.35%*$150k*-Money Market Savings
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.25% $50k - $150k
0.35%*$150k*-Business Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.25% $50k - $150k

TwinStar Credit Union Checking Account Rates

1.00%*-$25kKasasa Cash
OTHER TIERS: 0.16% $25k+
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*-Member's Choice Checking
OTHER TIERS: 0.05% $500 - $2.5k
0.10%*$2.5k*-Prime Advantage Club Checking
OTHER TIERS: 0.05% $500 - $2.5k
0.05%--Explorer Checking

TwinStar Credit Union CD Rates

0.65%$500-60 Month CD
0.65%$100-60 Month Youth CD
0.65%$500-Business 60 Month CD
0.55%$500-48 Month CD
0.55%$100-48 Month Youth CD
0.55%$500-Business 48 Month CD
0.45%$500-36 Month CD
0.45%$100-36 Month Youth CD
0.45%$500-Business 36 Month CD
0.40%$500-24 Month CD
0.40%$100-24 Month Youth CD
0.40%$500-Business 24 Month CD
0.30%$500-12 Month CD
0.30%$100-12 Month Youth CD
0.30%$25-12 Month Save to Win CD
0.30%$500-Business 12 Month CD
0.20%$500-6 Month Smart Saver CD
0.20%$500-Business 6 Month Smart Saver CD
0.10%$500-3 Month CD
0.10%$100-3 Month Youth CD
0.10%$500-Business 3 Month CD

TwinStar Credit Union IRA Rates

0.75%$500-60 Month IRA
0.65%$500-48 Month IRA
0.55%$500-36 Month IRA
0.50%$500-24 Month IRA
0.40%$500-12 Month IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.