Columbia Credit Union

8-MONTH CERTIFICATE

Don't miss our 5.00% APY CD special!

Open our new, limited-time CD special that earns 5.00% APY¹ for 8 months! 

  • Available for Personal, IRA, and Business
  • Minimum $25,000 to open

8-MONTH CERTIFICATE

At this rate, don't wait!

Don’t miss our new, limited-time CD special that earns 5.00% APY¹ for 8 months! 

  • Available for Personal, IRA, and Business
  • Minimum $25,000 to open

Where you bank matters.

Remember that Columbia Credit Union is your local not-for-profit financial institution. Your money here flows right back into the community to offer lower loan rates, high-yield deposits, and widespread donation dollars.
It’s good for you and our neighbors, too.

Income Checking

5.50%APY 2

Earn high interest on your checking account with 5.50% APY.

Auto Loans

6.49%APR 3

Get a great rate to finance your dream ride.

Income Checking

5.50%APY 2

Earn high interest on your checking account with 5.50% APY.

Auto Loans

6.49%APR 3

Get a great rate to finance your dream ride.

OVERDRAFT KINDNESS

Overdrafts happen.

Our Overdraft Kindness eliminates fees to help smooth the path when finances get rocky. Account go negative? Avoid a potential one-time $20 fee for the day a transaction took your account negative if your account is brought positive by 6:30pm on the day of that overdraft.

VISA Credit Cards

With low rates, high rewards, and global travel benefits—there’s a Columbia CU credit card for everyone.

INCOME CHECKING

Free checking that pays.

Make your money work harder for you with early direct deposits, ATM fee rebates, and earnings every month.

MORTGAGE LENDING

Home loans made easy.

Whether you’re looking for your first home or planning your dream remodel, our local experts will help get you through the door.

MORTGAGE LENDING

Home loans made easy.

Whether you’re looking for your first home or planning your dream remodel, our local experts will help get you through the door.

YOUTH

Teach your kids how to earn with Fern.

Use Fern with your kids to incentivize tasks and chores, reward good grades, and more—all while teaching them about spending, savings, and earning.

Fern links to your child’s account so they can:

  • Earn cash for doing chores
  • Borrow money from mom and dad
  • Learn about budgeting
  • Receive ongoing allowance

Register for Fern in Online Banking and the Columbia CU app.

YOUTH

Teach your kids how to earn with Fern.

Use Fern with your kids to incentivize tasks and chores, reward good grades, and more—all while teaching them about spending, savings, and earning.

Fern links to your child’s account so they can:

  • Earn cash for doing chores
  • Borrow money from mom and dad
  • Learn about budgeting
  • Receive ongoing allowance

Register for Fern in Online Banking and the Columbia CU app.

Columbia Credit Union app icon displayed on a tablet and smartphone

Get the Columbia CU Mobile App

Access your accounts from anywhere for free.

MOBILE WALLET

Pay without making contact.

Experience the convenience and security of our Mobile Wallet service. Simply add your Columbia Credit Union debit or credit card to your device’s Apple Pay, Google Pay, or Samsung Pay app.

Make purchases in stores and within apps without swiping your cards or entering payment and contact information. Rest assured that merchants will never see your personal details or contact info.

  • Secure transactions: Add your Columbia Credit Union card to your mobile wallet for secure payments.
  • Contact-free shopping: Make purchases in stores and within apps without swiping your card or entering payment information.
  • Protect your personal information: Merchants will never see your name, card numbers, or security codes.
  • Easy setup: To start using Mobile Wallet, just add your Columbia CU debit or credit card to the Apple Pay, Google Pay, or Samsung Pay app on your device.
  • Discover more digital services: Explore more ways Columbia Credit Union can simplify your life with our digital services.
Man's hand holding smartphone using Columbia Credit Union Rewards Credit Card in mobile wallet

MOBILE WALLET

Man's hand holding smartphone using Columbia Credit Union Rewards Credit Card in mobile wallet

Pay without making contact.

Experience the convenience and security of our Mobile Wallet service. Simply add your Columbia Credit Union debit or credit card to your device’s Apple Pay, Google Pay, or Samsung Pay app.

Make purchases in stores and within apps without swiping your cards or entering payment and contact information. Rest assured that merchants will never see your personal details or contact info.

  • Secure transactions: Add your Columbia Credit Union card to your mobile wallet for secure payments.
  • Contact-free shopping: Make purchases in stores and within apps without swiping your card or entering payment information.
  • Protect your personal information: Merchants will never see your name, card numbers, or security codes.
  • Easy setup: To start using Mobile Wallet, just add your Columbia CU debit or credit card to the Apple Pay, Google Pay, or Samsung Pay app on your device.
  • Discover more digital services: Explore more ways Columbia Credit Union can simplify your life with our digital services.

$100 FOR YOU! $100 FOR THEM!

Refer a Friend for $100

Refer a friend to open their first checking account with Columbia CU and we’ll deposit $100 into BOTH of your accounts. Just our way of saying thanks—and welcome! And, a great way for you to share the value offered through Columbia Credit Union membership with your friends and family.

$100 FOR YOU! $100 FOR THEM!

Refer a Friend for $100

Refer a friend to open their first checking account with Columbia CU and we’ll deposit $100 into BOTH of your accounts. Just our way of saying thanks—and welcome! And, a great way for you to share the value offered through Columbia Credit Union membership with your friends and family.

WHAT LOCAL MEMBERS ARE SAYING

"They're all about changing their members' lives, and their communities' lives. And that's what they're going to do for you."

Susan Peake, Columbia CU Member

WHAT LOCAL MEMBERS ARE SAYING

"They're all about changing their members' lives, and their communities' lives. And that's what they're going to do for you."

Susan Peake, Columbia CU Member

Don't just take it from us.

Best of Clark County Award
2008-2023

The Columbian

Corporate Philanthropy Award
2017-2023

Portland Business Journal

Best in Business Award
2013-2023

Vancouver Business Journal

¹APY = Annual Percentage Yield. 5.00% APY is accurate as of May 14, 2024. Off­er subject to change and may be discontinued at any time without notice. Available for personal, IRA and business certificates. $25,000 minimum to open and earn dividends. Certificate automatically renews to then current 6-month certificate rates and terms unless otherwise instructed by member. Penalty may be imposed for early withdrawal. Membership required.

²APY=Annual Percentage Yield is accurate as of June 1, 2024, and can change at any time without notice. When qualifications are met, the Rewards Dividend Rate is calculated and accrued daily on ending balances of $25,000 or less. Dividends are paid and compounded monthly. The advertised Rewards APY assumes your balance including the prior months’ dividends, is $25,000 or less every day of every month during the APY’s annual look-ahead timeframe. Minimum to open is $1. To earn Rewards APY, you must meet each of the following Requirements during the period of the 26th of the prior month to the 25th of the current month: 1) Enrolled in e-Statements by 11:59 p.m. PT; 2) Have a direct deposit of at least $500 into Income Checking; 3) Have 15 posted* Income Checking debit card or Columbia CU credit card purchases; pending transactions do not qualify. Please Note: Debit and credit card transactions may not post (or may show as pending, not posted) to your Income Checking or Credit Card Account the same day as the purchases. *Definition: A posted transaction has fully processed and appears on your account statement or in online & mobile banking with a transaction date. Credit card purchases count toward Requirements when the same person is the Tax Reported Owner (member) on the Income Checking and the credit card account. ATM withdrawals don’t count toward Requirements. Limit one (1) Income Checking per Tax Reported Owner (Member). 

Starting June 1, 2024, the Reward Dividend Rate will earn 5.50% APY on balances up to $25,000 each month. May 2024 will be a transition month. If you meet the qualifications, this month’s Rewards Rate paid will coincide with a 6.00% APY.

³APR=Annual Percentage Rate and is accurate as of April 11, 2024. APRs range from 6.49% to 15.49%. The APR you qualify for is based on repayment period, your vehicle’s value, year and mileage and your credit qualifications including residential status, credit and employment history. Payment example: If you borrow $20,000 for 60 months at 6.49% APR, your monthly payment would be $391.23. If you’re refinancing your vehicle loan from another lender, we will give you the lowest of either a) your Columbia CU qualifying APR or; b) up to 1.00% APR off your current lender’s APR down to our floor of 4.99% APR.

Lowest APRs include Checking Relationship Plan discount which provides a qualifying rate discount of 0.25% APR for automatic loan payments from Columbia CU checking. Auto Pay can be set up via automatic transfers from your Columbia CU checking to your loan with either the assistance of a Columbia CU representative or by setting up recurring transfers in Columbia CU’s Online Banking.

Membership required to borrow. Columbia Credit Union may offer other rates in the future.