Twin Oaks Federal Credit Union Rates and Review January 2026
Compare Twin Oaks Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Twin Oaks Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityTwin Oaks Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Twin Oaks Federal Credit Union? Share your experience about Twin Oaks Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Twin Oaks Federal Credit Union. Overall, Twin Oaks Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Twin Oaks Federal Credit Union Apple Grove Office 27405 Huntington Rd Apple Grove, WV 25502  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonCash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
Academic VISA® Platinum
10.900%
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Line of Credit
16.240%
$0
60
Signature Loan
11.500%
$0
48 - 48
Personal Line of Credit Variable
13.150%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Twin Oaks Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Twin Oaks Federal Credit Union
Website: https://www.twinoaksfcu.com
Full Time Employees: 4Part Time Employees: 0 President: Brian Kelly CEO: Shelbie Vance Branch Locations: 2 ATM Locations: 0 Corporate Office Address:
27405 Huntington Rd
Apple Grove, WV 25502 Phone Number: 304-576-4056 Fax Number: 304-576-2447 FinancialsTotal Assets:
6,054,424
Total Amount of Shares and Deposits:
5,258,911
Total Shares and Deposits < 1 Year:
4,023,606
Total Shares and Deposits 1 3 Years:
1,235,305
Total Insured Shares and Deposits > $250K (item 17 less item K):
5,258,911
Total Interest Expense (Sum of items 6 8):
91,275
Share Certificates:
60
Number of Accounts for Regular Shares:
1,154
Non Member Deposits:
2
Net Income (unless the amount is already included in Undivided Earnings):
11,258
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
453,208
Total Liabilities:
5,278,945
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Twin Oaks Federal Credit UnionIs a member application needed to join Twin Oaks Federal Credit Union?Yes, to access services at Twin Oaks Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Twin Oaks Federal Credit Union provides a range of mortgage and home equity products. Is Twin Oaks Federal Credit Union a safe place to deposit money?Yes, Twin Oaks Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Twin Oaks Federal Credit Union offer online and mobile banking?Most modern institutions like Twin Oaks Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.25%, 6-month CD rates at 0.50% and 3-month CD rates at 3.60%. Savings rates are at 1.10% and money market rates are at 2.00%. Mortgage rates on 30-year fixed loans are around 6.17%. Credit Card rates are at 18.00%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates which you can compare to 
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