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 103rd largest credit union in the nation. It was established in 1938 and as of March of 2024, it had grown to 786 employees and 365,577 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 (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 Grade Components

NCUA #68271
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD7.47%
Annual Interest Income$61.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$4.32B$2.31B
LoansQ1 2024vs Q1 2023$3.24B$1.7B
DepositsQ1 2024vs Q1 2023$3.58B$1.98B
Equity CapitalQ1 2024vs Q1 2023$390.2MM$164.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$30.1MM$18.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$15.4MM$6.2MM
Real Estate OwnedQ1 2024vs Q1 2023$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%$0$10kKasasa Saver
0.50%$100-Prime/Regular Savings
0.50%$0-IRA Share
0.50%$0-Dollar Dog Kids Club
0.50%$0-Outfitter Savings
0.50%$0-Subsidiary Savings
0.50%$0-Holiday Savings

TwinStar Credit Union Money Market Rates

2.02%*$250k*-Money Market Savings
OTHER TIERS: 0.15% $0 - $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% $0 - $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%*$0$50kKasasa Cash
OTHER TIERS: 0.50% $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

5.00%$10k-13 Month CD Special - New Money
5.00%$10k-Business 13 Month CD Special - New Money
4.25%$500-5 Month CD Special
4.25%$500-Business 5 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

5.00%$10k-13 Month IRA Special - New Money
4.25%$500-5 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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