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Conversion Guide
March 3rd is Operational Day 1, also called OD1. It's the day when NWCU and TwinStar merge core systems. This comes after a great deal of planning and testing that we've done since our members first approved the merger between NWCU and TwinStar. The OD1 conversion has changes that may impact you.
Conversion Guide Updates:
- 2/20/25 - Added: Business Membership and Account Agreement and Business Fee Schedule
Quick Menu
Operational Day One Weekend Schedule
Date | Branches | Digital Banking | Call Center |
---|---|---|---|
Friday Feb 28, 2025 | Open | Open | Open |
Saturday Mar 1, 2025 | Open | Open | Open |
Sunday Mar 2, 2025 | Closed | Intermittent | Closed |
Monday Mar 3, 2025 | Closed | Open | Closed |
Tuesday Mar 4, 2025 | Open | Open | Open |
Other service disruption notices for March 2nd through March 3rd:
Please take note of below disruptions. If you need access to large amounts of funds, wire transfers or any other key service, please work around these disruption periods. If you’re unsure if this will impact you, please contact us and ask.
BillPay – Closed for new payment scheduling. Previously scheduled payments will process normally.
Debit Cards – Available. For lost or stolen cards please call (800) 258-3115.
Credit Cards – Available. For lost or stolen cards please call (800) 258-3115.
ACH Processing – Will process normally.
Physical Checks – Will process normally.
ATMs – Available.
Wire Transfers - Unavailable.
Consumer Lending - New pre-approvals or loans through dealerships will be unavailable.
Credit Union Connect - Unavailable.
Temporary Combined Logo
We have rolled out a temporary logo that you may see in a few places throughout our network of products and services. As we combine our organizations, we’ve implemented several cost-savings changes. However, many of the efficiencies we’ve gained only work with a singular logo. That is why we are using this combined, temporary logo while we work to finalize our future name and brand.
This is a temporary logo. We are still working towards a new, combined name and brand for our new organization.
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Debit and ATM Card Changes
Due to the merger, all of our debit and ATM cards will now be merged into one system. Because of this, newly issued cards will feature our temporary, combined logo. You can continue to use your current card until you receive a new one from us
These debit and ATM cards now feature our temporary, combined logo. As we combine our organizations, we’ve implemented several cost-savings changes, one of which is combining our debit and ATM cards into one system. However, many of the efficiencies we’ve gained only work with a singular brand. That is why we are using this combined, temporary logo while we work to finalize our future name and brand.
Contactless Payments
We are excited to roll out the functionality of contactless payments on debit cards.
Tap to pay offers a secure and fast way to pay. Look for the tap to pay icon.
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Tap your card for a secure, contactless payment.
Consumer Debit Card
ATM Card
Business Debit Card
Credit Cards
There is no change to credit cards at this time. You can continue to use, pay for and track your current credit cards the same way you do today.
We anticipate some changes to credit cards coming in the future, with more information to come as we get closer to that date.
Member, Account and Routing Numbers
We’re excited to announce that there will be no change to account or member numbers for TwinStar members.
We are also able to connect our routing numbers so that you won’t experience a change there, either.
No change is needed for:
- Any Direct Deposit you have set up.
- Your Checks.
- Automated electronic payments.
Digital Banking
We will continue to use our current digital banking website and app.
There will be additional changes coming to digital banking in the fall of 2025, separate communication will be sent out about that at a later date.
Statements
VISA Credit Card and Mortgage Loan statements will not have any changes.
For all other accounts, statements will now feature the combined logo (for more information on this, click here), and there will be some other small changes in accent colors.
Deposit Products
TwinStar members won’t see any change to their current set of products.
Due to the merger, we’re excited to announce our first set of new products available to you on March 4th. We are also happy to announce that members no longer have a hold on the $5 deposit required to originally open their account. That money will now be available for you to use.
New Consumer Products Available on March 4th
New Product | Key Features |
---|---|
Level up Savings | Earn more when you have loans with us. |
Executive Checking | Get more perks like free cashiers checks, free checks and access to higher earning money market account when you do more of your banking with us. |
Executive Money Market and Executive IRA Money Market |
Get more perks like free cashiers checks, free checks and access to higher earning money market account when you do more banking with us. |
IRA Super Investor MM | Earn more on your IRA funds. |
IRA 3-month and 6month CDs | Short term options for your IRA funds. |
Executive IRA Money Market
Overdraft Changes
Currently, if you have a linked draw account, overdraft transfers the amount that is needed to cover the cost of the transaction. Moving forward, if you have a linked draw account, overdraft transfers will occur in $100 increments.
For example, if you attempt a purchase that is $12 more than your current available balance, we will transfer $100 into your checking account from your linked savings or personal line of credit (PLOC) to cover the transaction. This will incur a transfer fee. The remaining $85 ($88 minus the $3 fee) would cover any additional transactions until that balance is depleted, when an additional transfer—and transfer fee—would occur.
Members can set up as many savings or personal lines of credit (PLOC) as a draw source as they would like. Draws will be taken from the savings or PLOC in the order in which the member asks for them to be. If funds are not available from the first savings/PLOC it will look to the second available one to cover the transaction. We will look to up to 10 accounts to cover the transaction. For any draw that requires more than one savings to cover the transaction, a $6 fee is applied.
Starting March 3rd, members will no longer be able to use Visa credit cards as a draw source for overdraft, and overdrafts will not be permitted at ATMs.
This is intended to be a summary only. If you have a checking account with us, you will receive a comprehensive description of our overdraft program sent in an additional mailing. You can discontinue overdraft in its entirety by contacting us at (800) 258-3115 or visiting your local branch.
Current | Future (March 3, 2025) | |
---|---|---|
Overdraft Service Fee | $33 per item | $28 per item |
Overdraft Transfer Fee | $5 per transfer | $3 per transfer from one account, $6 per transfer from multiple accounts |
Transfer Amount | Amount Needed to Cover Transaction | Rounded up to the nearest $100 increment |
Non-Sufficient Funds (NSF) Fee | $33 per item | $28 per item |
Return Item Fee (Checks deposited drawn on your account at another financial institution) |
$33 per item | $28 per item |
(Checks deposited drawn on your account at another financial institution)
Business Overdraft
Our business members will have overdraft available to them on March 3rd. Please refer to the previous section for a summary. You will also receive a follow up mailing with the full details.
Fee Changes
Effective March 3, 2025, the Fee Schedule applicable to your deposit accounts and services will include certain increased and decreased fees as set forth on the following page. Fees for additional services which were not previously offered may apply as set forth on the Fee Schedule at the bottom of this web page.
Increased Fees | Current Fee | New Fee as of March 3, 2025 |
---|---|---|
Inactive Account Fee | $15 per year after 12 months: $5 per month after 24 months. | $5 per month after 12 months. |
Counter Checks | $.075 (12 checks or 3 pages free per calendar year) |
$3 (4 checks or 1 page free per calendar year, in addition to 1 sheet for free when account is opened) |
Withdrawal/inquiry at non Co-Op ATM (member fee) | $0 | $1.50 (waiver is possible for certain accounts; see https://TwinStarCU.com/disclosures/truth-savings for details.) |
Emergency Card Issuance | $30 | $40 |
Outgoing Wire Fee (Foreign) | N/A | $55 |
Expedited Title Fee | N/A | $15 |
Undeliverable Address Fee | $0 | $5 |
(12 checks or 3 pages free per calendar year)
(4 checks or 1 page free per calendar year, in addition to 1 sheet for free when account is opened)
(waiver is possible for certain accounts; see https://TwinStarCU.com/disclosures/truth-savings for details.)
Decreased Fees | Current Fee | New Fee as of March 3, 2025 |
---|---|---|
Non-member check exchange | $5 (personal to corporate check) |
$0 |
Collection Item | $2 | $0 |
Overdraft Service Fee | $33 | $28 |
Non-Sufficient Funds (NSF) | $33 | $28 |
Overdraft Transfer Fee | $5 | $3 (in $100 increments) |
Return Item fee (checks deposited drawn on member's account at another institution) | $33 | $28 |
(personal to corporate check)
(in $100 increments)
Merged branch map
Starting March 4th, you can take full advantage of our complete branch footprint with staff in all branches able to fully support both legacy TwinStar and NWCU members.
35 Branches in the Northwest
To find current hours of operation, please visit our
websites nwcu.com/locations and TwinStarCU.com/branches.
ATM network
As always, you’ll have full access to the complete network of co-op ATMs, with over 30,000 surcharge-free ATMs available nationwide.
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Why did we merge?
The strategic merger between NWCU and TwinStar Credit Union provides the opportunity to achieve more positive member impact and value such as:
More member access:
Our expanded footprint of 36 branches throughout Oregon and Washington allows us to have more impact on existing members. But bigger than that, through this partnership, we are able to serve more people and provide them with access to top-notch financial products and services.
Products/Services:
With our combined resources we are able to offer a more robust product and service line, reduce costs, and return more value in the form of products, services, rates, fees, and community involvement to existing and future members. As part of this merger, we project we will save our membership $1M in fees.
More Responsive to Evolving Financial Needs
This partnership allows the credit union to better anticipate and meet the financial needs of members in a competitive financial services industry. Looking ahead, this partnership will allow us to constantly assess and improve our technology solutions and make sure we’re providing the best digital banking solutions possible for members now and into the future.
Same Knowledgeable,
Friendly Employees:
The same friendly staff will continue to serve you.
More Access
More locations through Oregon and Washington means more access
for our members.
More Value
More members means more value returned to members through high
quality products and services.
Same Friendly Staff
Members will have the same friendly staff available to help with their
financial needs and goals.
About NWCU
Founded in 1949 by six members of Weyerhaeuser, a wood products corporation, Northwest Community Credit Union (NWCU), a division of TwinStar Credit Union has grown to serve a diversified membership of more than 100,000 members with 15 locations in 11 Oregon cities. NWCU is proud to support community and educational outreach, provide emergency relief, and dedicate our time and money to provide community support. NWCU is committed to providing superior service, compassion, and loyalty to our members, our employees, and the communities we serve. Northwest Community Credit Union was named Best in State Credit Union in Oregon by Forbes in 2022.
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About TwinStar
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Our Combined Purpose
Our Mission
Invest in People.
Champion Success.
Our Vision
We build communities where all feel financially secure and empowered to reach their dreams.
Our Values
- Authenticity
- Boldness
- Collaboration
- Dignity
- Empathy
Leadership
The continuing board of directors for the combined organization is made up of directors from both legacy credit unions. Just as always, our board is made of members like you, who lend their managerial and financial expertise to help guide the direction and mission of the credit union. We are also led by our Chief Executive Officer, Jeff Kennedy. Jeff has been a part of our organization for nearly 40 years, serving as our CEO for the last 12. While Jeff has announced his expected retirement in 2025, he has committed to staying on to guide us through this pivotal step of merging our systems.
Thomas Petus-Czar
Board Chair
Jeff Kennedy
Chief Executive Officer
Field of Membership
Our qualifying Field of Membership has expanded to include 15 Oregon counties, as well the state of Washington. You can become a member if you are living or working in Washington State or the following counties in Oregon: Benton, Clackamas, Coos, Crook, Deschutes, Douglas, Jackson, Jefferson, Josephine, Klamath, Lane, Linn, Marion, Multnomah, Washington.
Security/Fraud
First and foremost, we want to assure you that your money is safe. Our teams have built in multiple layers of protection and reviews to ensure that your money will remain safe and secure.
Fraudsters regularly target consumers who are experiencing change. During this time, it’s important to be extra diligent in protecting yourself.
We will never contact you to:
- Ask for your online banking password, card PIN, or secure access code.
- Send links via text (we will direct you to use our website or digital banking to access areas we’re directing you to).
Tips
- Use multi-factor authentication for online access.
- Regularly monitor your account activity.
- Review all communication carefully. If you’re unsure whether a communication is authentic, call 1 (800) 258-3115 and ask us.
Change in Terms Notification
In connection with the merger of TwinStar Credit Union (TwinStar) and Northwest Community Credit Union (Northwest Community), the deposit accounts and services agreements you had with TwinStar are changing in some ways. The following Change in Terms Notification outlines the material changes in the deposit account and electronic funds transfer (EFT) services. We encourage you to review and retain this document and the accounts and services agreements of TwinStar for your records.
Membership and Account Agreement. Effective March 3, 2025, the TwinStar Membership and Account Agreement governing your deposit accounts will be updated. Many of the contract terms for accounts and services will remain without substantive changes, except as more fully described below. The updated TwinStar Membership and Account Agreement, which can be viewed at the links below:
Consumer Membership and Account Agreement
Business Membership and Account Agreement
Overdraft Services Changes. Effective March 3, 2025, the following are the material changes in existing terms and conditions of TwinStar Overdraft Services. A disclosure will be mailed separately with further details:
- Overdraft transfers from one account to cover another account will occur in $100 increments. This is designed to avoid multiple transfer fees since there will be funds for future items to clear. The transferred amount will not be the overdraft transaction amount specifically.
- The maximum number of overdraft fees and non-sufficient funds (NSF) fees we will charge is 25 times per month.
- Overdrafts will not be permitted at ATMs.
- Automatic transfers from credit cards to cover overdrafts will no longer be offered.
- Fees will change as described on here.
Deposit Accounts Truth in Savings Disclosures. Effective March 3, 2025, TwinStar members will benefit from increased product offerings and some improved terms as a result of the merger.
Click here for details.
Fee Schedule. Effective March 3, 2025, the Fee Schedule applicable to your deposit accounts and services will include certain increased and decreased fees as set forth here. Fees for additional services which were not previously offered may apply as set forth on the Fee Schedule below:
Action Items Checklist
No Change Needed For:
- How you contact us
- ACH/Direct Deposits
- Current Checks
- Credit Cards
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