TwinStar Credit Union Lacey WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Twinstar at Lacey Crossroads, where your financial well-being is our top priority! Located at 4550 Avery Ln SE, Lacey, WA 98503, we have been serving our community since 1938. With a strong commitment to our members, we proudly support over 261,185 individuals and families in achieving their financial goals. At Twinstar, we understand that trust and reliability are key to building lasting relationships. That's why we've grown our total assets to an impressive $4,259,303,493 while ensuring you receive personalized service tailored to your unique needs. We believe in making banking accessible and straightforward; whether you're looking for auto loans, mortgages, or business banking solutions, we have the resources to help you thrive. While you can visit us at our branch for in-person services, please note that official correspondence should be sent to our mailing address: PO Box 718, Olympia, WA 98507. This helps ensure your communications reach us efficiently. Our dedicated team of 816 employees, led by CEO Jeff Kennedy and Board President Thomas Pettus-Czar, works tirelessly to create a welcoming environment where every member feels valued. We are proud of our solid financial foundation which includes total deposits of $166,805,564 and a net worth of $466,413,793. With these resources at hand and cash reserves exceeding $41,780,442, you can rest assured that your money is safe with us. We invite you to explore all that we offer through our user-friendly website at Twinstar. Whether it's online banking or mobile payments, we're here to enhance your banking experience. If you're ready to take the next step towards financial empowerment or have any questions about our services, feel free to call us at 800-258-3115. Join us today and see how Twinstar can make a difference in your financial journey!

Branch History & Mission

Community Focus

Our commitment doesn't stop with banking; it's about making a real impact in Lacey and beyond. We actively engage with local schools, charities, and organizations to promote financial literacy and support various community initiatives. By partnering with local businesses and non-profits, we strive to create a stronger community for everyone. With convenient ATM access and drive-thru banking options available at our branch, we're here for you when you need us most. Our focus on customer service ensures that every interaction is meaningful and efficient.

Join Us

As we continue this journey together, we invite you to become part of the Twinstar family. Experience firsthand how we can help you achieve your financial goals while being an active member of your community. Visit us today or explore more about what we offer at Twinstar's website. Together, let's build a brighter future!

Our Mission

At Twinstar, our mission is simple yet powerful: to empower our members through exceptional financial services while actively participating in community development. We understand that banking goes beyond transactions; it's about building relationships and fostering opportunities for individuals and families alike. Through various programs and initiatives, we strive to uplift those around us, whether through educational workshops or partnerships with local organizations. We offer a comprehensive range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to loans for auto financing and mortgages. Our commitment extends beyond just providing services; we aim to be a source of knowledge and support for all our members. While members can visit us at 4550 Avery Ln SE for in-person assistance during our operating hours Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:30 AM to 2:00 PM official correspondence should be sent to PO Box 718, Olympia, WA 98507.

Branch Location & Accessibility

Welcome to Twinstar at Lacey Crossroads! Conveniently located at 4550 Avery Ln SE in Lacey, WA, our branch is easily accessible for all your banking needs. Nestled near popular spots like the Lacey Market and just a short drive from the scenic Woodland Creek Community Park, our location offers not only convenience but also a friendly atmosphere. At Twinstar, we understand how important it is for our members to have easy access to their financial services. That's why we offer ample parking right outside the branch, along with ADA-compliant features to ensure everyone can visit us comfortably. If you prefer to handle your banking on the go, you'll be pleased to know that we provide ATM services as well as drive-thru banking for quick and easy transactions. Our team is here for you Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:30 AM to 2:00 PM. Whether you're looking to open a new checking account, apply for an auto loan, or simply ask questions about our services, we're ready to assist you! While members can visit us at 4550 Avery Ln SE, official correspondence should be sent to our mailing address at PO Box 718, Olympia, WA 98507. Feel free to reach out at 800-258-3115 if you have any questions or need assistance. We invite you to stop by and see how Twinstar can help you achieve your financial goals!

Member Eligibility

At Twinstar, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family. To become a member, you simply need to meet a few friendly criteria. If you live, work, or go to school in our local area, you're already on the right path! We're here for everyone, including those who may be part of specific groups or organizations associated with us. For the most up-to-date details about eligibility, feel free to check out this resource: . Once you know you're eligible, opening your account is a breeze! You can start your membership journey by visiting us at 4550 Avery Ln Se Lacey Wa 98503 or by applying online at https://app.loanspq.com/apply.aspx?lenderref=twinstarcuu91417&list=ccvlheplst. If you have any questions along the way, don't hesitate to give us a call at (800) 258-3115. We can't wait to welcome you into the Twinstar family!

Business Banking & Commercial Services

Empowering Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $373 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $402,566,686, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

When it comes to payment processing, our merchant services are designed to simplify transactions and enhance your customer experience. Imagine easily accepting payments from customers, whether they are shopping online or visiting your store. Our services ensure that you can focus on what you do best running your business while we take care of the financial details. Located at 4550 Avery Ln Se Lacey Wa 98503 in Lacey, WA, our team is ready to partner with you. Let us help you unlock the full potential of your business! For more information or assistance, give us a call at (800) 258-3115.

Comprehensive List Of Services

Business Banking

For local business owners, our business banking services include merchant services and business loans that can help you grow your venture. We know how important it is for businesses to have reliable banking support, which is why we strive to be a partner you can count on.

Convenient Access

Accessing your accounts has never been easier with our robust online and mobile banking features. Whether you're checking balances, transferring funds, or making payments, you can do it all from the comfort of your home or on-the-go with just a few taps on your smartphone. We also provide essential ATM and cash withdrawal services, along with basic drive-thru banking for simple transactions like deposits and withdrawals. Need assistance? Our friendly staff is ready to help during our operating hours from 9:00 AM - 5:30 PM Monday through Friday, and 9:30 AM - 2:00 PM on Saturdays.

Credit Options

Credit cards with rewards are another highlight at Twinstar. Enjoy everyday perks while managing your spending effectively. Our credit cards are designed to give you more value with every purchase.

Get in Touch

Ready to explore how we can assist you further? Visit us at 4550 Avery Ln Se Lacey Wa 98503, call us at (800) 258-3115, or check out our website at Lacey Crossroads. At Twinstar, we're committed to helping you achieve your financial goals with service that feels personal because it is!

Personal Banking

Our personal banking services include checking and savings accounts tailored for everyday use or long-term savings goals. Imagine easily accessing your money through online banking or our mobile app while enjoying the benefits of competitive interest rates. For those looking to finance a vehicle, our auto loans and vehicle financing options are flexible and straightforward, making it easier than ever to get behind the wheel of your dream car. When it comes to homeownership, our mortgage loans and refinancing options can help you secure the best rates available. We offer personalized support throughout the process so that buying a home feels less daunting. If you need quick cash for unexpected expenses, consider our personal loans and debt consolidation solutions that simplify your finances and provide peace of mind.

Digital & Online Banking

Accessibility and Ease of Use

With mobile payments enabled, shopping or paying bills has never been easier. Just tap your phone and go! Our user-friendly interface ensures that even those new to digital banking will find it straightforward and intuitive. At Twinstar, we're committed to making banking accessible for everyone. Whether you're using our website or mobile app, you'll have real-time control over your accounts with features designed to fit seamlessly into your lifestyle. Explore the possibilities of digital banking today at https://www.twinstarcu.com/ your financial future awaits!

Key Features

Our online banking platform provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer money whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, if you're on the go, our mobile application ensures that all these services are right in your pocket. Security is a top priority for us. We use electronic signature authorization, so you can sign important documents safely without ever leaving home. And if you prefer going paperless, e-statements are available for easy viewing and management of your financial records.

Financial Strength

Investing Back into Our Community

With $265,086,517 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach not only strengthens our credit union but also fosters growth within our community.

Lending Capacity for Your Needs

With $34,336 in used auto loans and $3,339,891,779 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our ability to extend credit helps you finance your dreams whether it's buying a car or investing in a home.

Member-Centric Savings Options

Members' savings are secured through $990,896,533 in share certificates and $584,043,292 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 812 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $466,413,793, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,094 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Through Growth

Total Share and Deposit Accounts stand at 533,481, showing a strong and growing member base that trusts us with their finances. This trust translates into continued success for both our credit union and our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Twinstar is your trusted partner. Visit us at 4550 Avery Ln Se Lacey Wa 98503 or call (800) 258-3115 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $636,000,484 in used vehicle loans and $378,872,596 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier than ever to finance your next vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $402,566,686 provide the capital needed to grow and expand. We know how important it is for your business to thrive, which is why we offer tailored solutions designed to meet your unique needs. At Twinstar, we're committed to providing you with personalized service and competitive loan options. If you're interested in refinancing or exploring eligibility options, please don't hesitate to reach out. You can contact us at (800) 258-3115 or visit us at our branch located at 4550 Avery Ln Se Lacey Wa 98503 in Lacey, WA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $257,979,892, make buying or refinancing simple. We aim to support you throughout the process, ensuring you find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $214,933,207 in loans helping members manage their finances effectively. Enjoy the convenience of credit without needing to put up collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh ensures accuracy in its loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified information means you can trust that the offers presented are both fair and transparent.

Twinstar

Type of Loan Offerings

Personal Loans

Vehicle Loans