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Twinstar Credit Union

Overview
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Twinstar Credit Union is a federally insured state credit union based in Olympia, Washington. It has been opened since 1938, for 82 years.

With around $1,361,270,000 in assets, Twinstar Credit Union is considered to be a very large credit union. It has 21 branches and 22 ATM locations.

About
Address Po Box 718
Olympia, Washington 98507
Website http://www.twinstarcu.com
Phone (360) 357-9911
Fax (360) 459-0894
CEO Jeff Kennedy
President of the Board Rhodetta Seward
Services Offered
Map
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Score Card
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82 years
Years in business
Opened in 1938
Well Capitalized
Net worth classification
Source: NCUA
128,955 members
Membership type: State chartered natural person credit union
Above average number of members
335:1
Credit union member to staff ratio
335 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$1,361,270,534
Total assets
Above average
21 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
11.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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21 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
Twinstar Credit Union Branch Locations

Twinstar Credit Union: Tumwater
5735 Littlerock Road SW
Tumwater, Washington 98512
ATM Available
Twinstar Credit Union: Hoquiam
320 Ontario Street
Hoquiam, Washington 98550
ATM Available
Twinstar Credit Union: West Olympia
2400 Evergreen Park Drive SW
Olympia, Washington 98502
ATM Available
Twinstar Credit Union: Ocean Shores
900 Point Brown Avenue NE
Ocean Shores, Washington 98569
ATM Available
Twinstar Credit Union: Chehalis Financial Services Center
1555 S. Market Boulevard
Chehalis, Washington 98532
ATM Available
Twinstar Credit Union: Lakewood
9601 S. Tacoma Way Suite 103
Tacoma, Washington 98499
ATM Available
Twinstar Credit Union: Hazel Dell
7912 NE 6th Avenue
Vancouver, Washington 98665
ATM Available
Twinstar Credit Union: Bobcat
410 North G. Street
Aberdeen, Washington 98520
ATM Available
Twinstar Credit Union: Centralia
1320 S. Gold Street
Centralia, Washington 98531
ATM Available
Twinstar Credit Union: Aberdeen
416 E. Market Street
Aberdeen, Washington 98520
ATM Available
Twinstar Credit Union: Olympia
1020 5th Avenue SE
Olympia, Washington 98501
ATM Available
Twinstar Credit Union: Yelm
1105 W. Yelm Avenue
Yelm, Washington 98597
ATM Available
Twinstar Credit Union: Wilsonville
25375 SW Parkway Avenue
Wilsonville, Oregon 97070
ATM Available
Twinstar Credit Union: Yelm In-Store
1109 E. Yelm Avenue
Yelm, Washington 98597
ATM Available
Twinstar Credit Union: Lacey Crossroads
4550 Avery Lane SE
Lacey, Washington 98503
ATM Available
Twinstar Credit Union: Spanaway
13505 Pacific Avenue S.
Tacoma, Washington 98444
ATM Available
Twinstar Credit Union: Vancouver Mall
8405 NE Vancouver Mall Drive
Vancouver, Washington 98662
ATM Available
Twinstar Credit Union: Mill Plain
14610 SE Mill Plain Boulevard
Vancouver, Washington 98684
ATM Available
Twinstar Credit Union: Lacey Credit Union Center
4540 6th Avenue SE
Lacey, Washington 98503
ATM Available
Twinstar Credit Union: Onalaska
223 2nd Street W.
Onalaska, Washington 98570
ATM Available
Twinstar Credit Union: Centralia Safeway
1129 Harrison Avenue
Centralia, Washington 98531
ATM Available
Members
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128,955 members
Membership type: State chartered natural person credit union
Above average number of members

With 128,955 members, the Twinstar Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 97% of credit unions.

Fees
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$110
Average fee per member
The average fee per member at the Twinstar Credit Union is $110, which is very high compared to most credit unions. This rate is higher than 88% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Twinstar Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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335:1
Credit union member to staff ratio
335 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
386 staff members
FTE (full-time equivalent)
3% of employees are part-time
380 full-time, 11 part-time

Twinstar Credit Union has 380 full-time staff members and 11 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Twinstar Credit Union has around 335 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$1,361,270,534
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$13,672
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 74% of credit unions.

Twinstar Credit Union holds a total of $1,098,240,000 in loans and leases, which is about $13,672 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Twinstar Credit Union pays 0.05%.

Loan rates
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11.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.74%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.99%
New car loan rate
Compared to 4.0% nationally
2.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.50%
Other real estate loan rates
Compared to 0.9% nationally