TwinStar Credit Union Ocean Shores WA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Twinstar, your trusted financial partner located at 900 Point Brown Ave NE, Ocean Shores, WA 98569. Established in 1938, we have been dedicated to serving our community for over 85 years, growing alongside our members and adapting to their needs. With a robust total membership of 261,185, we pride ourselves on being more than just a credit union; we are a cornerstone of support for families and businesses in the area. At Twinstar, we understand that financial decisions can be overwhelming. That's why our experienced team is here to help guide you every step of the way. Our current total assets stand at an impressive $4,259,303,493, ensuring that we have the resources necessary to provide competitive rates and comprehensive services tailored to your unique financial journey. While members can visit us at our Ocean Shores branch for personal banking needs ranging from checking and savings accounts to auto loans and mortgage refinancing official correspondence should be sent to our mailing address: PO Box 718, Olympia, WA 98507. Led by our CEO Jeff Kennedy and Board President Thomas Pettus-Czar, our team is committed to fostering strong relationships with all our members. We offer a range of services including online and mobile banking options that make managing your finances convenient. With total deposits reaching $166,805,564 and a net worth of $466,413,793, you can trust that your money is safe with us. At Twinstar, we believe in giving back to the community that supports us. Our commitment goes beyond providing financial products; we strive to empower our members with the knowledge and tools they need for financial success. Whether you're looking for personal loans or business banking solutions, we're here for you. If you're ready to take the next step in your financial journey or have any questions about what we offer, don't hesitate to reach out! You can give us a call at 800-258-3115 or explore our website at Twinstar Credit Union for more information. Join us today and experience the difference that comes with being part of the Twinstar family!

Branch History & Mission

Welcome to Twinstar in Ocean Shores, WA! Since opening our doors in 1938, we have proudly served our community with a commitment to providing excellent financial services and fostering strong relationships. Our journey began as a small credit union focused on helping local members achieve their financial goals. Over the years, we have grown into a trusted institution with over 261,185 members and assets totaling an impressive $}. Our branch is located at 900 Point Brown Ave NE, a spot known for its friendly atmosphere and easy accessibility. If you're heading our way, you'll find us near the beautiful shores of Ocean Shores, making it convenient for you to stop by whether you're enjoying a day out or just running errands. While members can visit us at this address, official correspondence should be sent to PO Box 718, OLYMPIA, WA 98507. At Twinstar, our mission is straightforward yet impactful: to empower individuals and families through personalized financial solutions while giving back to the community that supports us. We understand that banking is not just about transactions; it's about building trust and creating lasting connections. From checking and savings accounts to auto loans and mortgages, we offer a range of services tailored to meet the diverse needs of our members. As part of our commitment to accessibility, we provide modern digital banking options, including online banking and mobile payments. You can manage your finances anytime, anywhere, ensuring that your banking experience is as convenient as possible. Our branch also features an ATM for quick cash withdrawals and a drive-thru service for those on the go. Community outreach is at the heart of what we do. We actively participate in local events and support various charitable initiatives aimed at improving the lives of residents in Ocean Shores and beyond. By collaborating with other organizations, we strive to make a positive impact where it matters most. Join us at Twinstar and discover how our dedicated team can help you navigate your financial journey with confidence. Whether you're looking for personal banking services or business solutions, we're here for you every step of the way. Experience the difference that community-focused banking can make! For more information or assistance, don't hesitate to call us at (800) 258-3115 during our operating hours: 9:00 AM - 5:30 PM Monday through Friday, and 9:30 AM - 2:00 PM Saturday. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Nestled in Grays Harbor County, our location is just a stone's throw away from the stunning beaches and vibrant community attractions that Ocean Shores has to offer. If you're heading our way, you'll find ample parking available right outside the branch, making your visit hassle-free. Plus, we are ADA compliant, ensuring everyone can easily access our facilities.

Get in Touch

If you have any questions or need assistance, don't hesitate to give us a call at 800-258-3115. We're here to help! Remember, while you can visit us at our branch in Ocean Shores, official correspondence should be sent to PO Box 718, Olympia, WA 98507. We look forward to welcoming you soon at Twinstar!

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:30 AM to 2:00 PM for drive-thru services. We invite you to come in during these hours and take advantage of our wide range of personal banking services, including checking and savings accounts, auto loans, mortgages, and more.

Services Available

At Twinstar, we pride ourselves on offering a variety of services tailored to meet your financial needs. From simple transactions at our drive-thru to comprehensive financial planning advice, our team is ready to help you every step of the way. Enjoy the ease of ATM access for withdrawals and balance checks anytime.

Member Eligibility

At Twinstar, we believe that everyone deserves a chance to be part of a caring community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly eligibility criteria. Generally, individuals who live, work, worship, or attend school in our service area can apply for membership. This means if you're part of our vibrant Ocean Shores community or nearby areas, you're likely already eligible! For specific details on the criteria and to see if you qualify, feel free to visit our website at . Opening an account with us is just as easy! You can start your journey by applying online through this link: https://app.loanspq.com/apply.aspx?lenderref=twinstarcuu91417&list=ccvlheplst. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (800) 258-3115. We're here to help you every step of the way as you take advantage of all the great benefits and services that come with being a member of Twinstar. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your business smoothly with efficient payment solutions. Our merchant services allow you to accept payments easily, giving your customers a convenient shopping experience. Whether it's card processing at your store or online transactions, we help simplify your operations so you can focus on what you do best growing your business. Located at 900 Point Brown Ave Ne Ocean Shores Wa 98569 in Ocean Shores, WA, we invite you to explore how our business banking options can empower your enterprise. Reach out to us today at (800) 258-3115 to learn more about how we can assist you!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility

We understand the importance of being accessible when it comes to managing your finances. Our basic ATM access allows you to check balances and withdraw cash conveniently. Additionally, our drive-thru service is available for quick transactions during lobby hours (Monday through Friday from 9:00 AM to 5:30 PM) and Saturday mornings from 9:30 AM until 2:00 PM. At Twinstar, we aim to make banking as simple as possible so you can focus on what matters most in life. If you have any questions or want more information about our services, please don't hesitate to reach out at (800) 258-3115. We look forward to serving you! Explore all that we have to offer by visiting us online at Ocean Shores today!

Business Solutions

For entrepreneurs and business owners, Twinstar offers comprehensive business banking services. From merchant services that simplify transactions to business loans that help you grow, we are committed to supporting your success.

Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts, pay bills, and transfer funds without ever needing to visit the branch. Our ATM and cash withdrawal services make accessing your money easy, too whether it's at an ATM or through our drive-thru service for deposits and simple transactions.

Personal Banking

Our personal banking services are designed with you in mind. We offer both checking and savings accounts to help you manage your money effectively. If you're dreaming of a new car, our auto loans and vehicle financing options can make that dream a reality. For those planning to buy a home or refinance an existing mortgage, our mortgage loans provide competitive rates and terms tailored to fit your budget. Need some extra cash? Our personal loans can assist with debt consolidation or any unexpected expenses that come your way. Plus, don't forget about our credit cards with rewards perfect for earning benefits on your everyday purchases!

Digital & Online Banking

Accessibility and Ease-of-Use

Our digital banking services are designed with you in mind. You can easily navigate through your accounts, view transaction history, and make real-time updates all from the comfort of your home or while you're out and about. With these tools at your fingertips, you'll find managing your finances not only easier but also more efficient. At Twinstar, we believe in making banking accessible for everyone. Join us today and experience how our digital and online banking services can simplify your financial life!

Key Features

One of the standout features is our mobile application, which allows you to bank on the go. Need to send money to a friend? Our person-to-person transfer option makes it simple and quick. Plus, if you're looking for convenience in payments, our mobile payments feature lets you make purchases directly from your smartphone. Security is paramount at Twinstar. We provide electronic signature authorization for a hassle-free experience while keeping your transactions secure. Additionally, e-statements are available so you can manage your accounts without the clutter of paper statements.

Financial Strength

At Twinstar, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong foundation built on trust and reliability, we are committed to serving our community in Ocean Shores, WA. Our financial health is reflected in our net worth of $466,413,793. This impressive figure underscores our ability to offer competitive rates, lower fees, and enhanced services tailored to meet your needs. Furthermore, our net worth ratio of $1,094 demonstrates a solid capital foundation. This means we can continue providing loans and savings options even during uncertain economic times. We understand that saving for the future is important to our members. That's why your savings are secured through $990,896,533 in share certificates and $584,043,292 in money market shares. These options not only provide stability but also opportunities for rewarding financial growth. Unlike traditional banks, we prioritize you our members. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates and exclusive perks. Additionally, with $265,086,517 in undivided earnings, we reinvest these funds into innovative banking tools, stronger lending options, and enhanced security measures designed to serve you better. Our lending capacity supports your financial goals with $34,336 in used auto loans and a total of $3,339,891,779 in loans and leases available for various needs. This reflects our commitment to helping you achieve your dreams, whether it's purchasing a vehicle or consolidating debt. Our operational efficiency shines through with a net income of $0, allowing us to keep offering competitive loan rates and solid financial products tailored just for you. We also take pride in having 812 full-time employees and 4 part-time employees who are always ready to assist you with knowledgeable service. With total share accounts reaching 533,481, it's clear that more members trust us with their finances every day. 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 900 Point Brown Ave Ne Ocean Shores Wa 98569 or call (800) 258-3115 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Financing Options

For those interested in starting or expanding a business, our outstanding commercial loans totaling $402,566,686 provide the capital needed for growth. No matter your financial goal, Twinstar is here to support you every step of the way. If you're considering refinancing or exploring eligibility options, our dedicated team is ready to assist you. We encourage you to reach out at (800) 258-3115 or visit us at 900 Point Brown Ave Ne Ocean Shores Wa 98569 in Ocean Shores, 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 take the next step toward achieving your financial dreams today!

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 offer flexible terms tailored to fit your budget, making it easier than ever to drive away in the vehicle you want.

Credit Lines and Unsecured Loans

If you're looking for added flexibility, our total credit lines amount to $942,345,198, providing you with easy access to cash when you need it most. Additionally, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $257,979,892. We simplify the process of buying or refinancing your home so you can focus on what matters most creating memories in your new space.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: The platform updates loan rates from multiple institutions regularly, allowing users to access up-to-date information that helps them make better financial decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to explore your options? Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced 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 accuracy ensures that users receive fair and transparent offers. Each listed loan option is verified, giving you confidence in the choices you see.

Twinstar

Type of Loan Offerings

Personal Loans

Vehicle Loans