TwinStar Credit Union


Overview / Commentary
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.

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.

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.



Health

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
Rates
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

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

Availability



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.