¹APY=Annual Percentage Yield and is accurate as of July 10, 2023 and can change at any time without notice. One Income Checking per member with Tax Reported Owner role. Minimum to open is $1. To earn rewards, you must meet each of the following requirements: 1) Be enrolled to get e-Statements by 11:59 p.m. PT two days before month end; 2) Have a direct deposit of at least $500 by 6:00 p.m. on the last day of the month; 3) Make at least 15 purchases using a combination of your Income Checking debit card by 6:00 p.m. PT two days before month end and your Columbia CU credit card by 11:59 p.m. PT two days before month end. For example: In a month with 30 days, e-Statements by the 28th, direct deposit by month end, debit purchases by the 28th, and credit card purchases by the 28th. Please note, debit and credit card transactions may not post on the same day as the purchase. ATM transactions do not count toward the purchase requirement. For credit card purchases to apply, the member with the Tax Reported Owner Role must be the same on the Income Checking account and on the Columbia Credit Union Visa credit card.
²APY is accurate as of July 3, 2023. Offer subject to change without notice. Available for Personal, IRA, and Business certificates. $500 minimum to open and earn dividends. 8, 9, 10, and 11-month certificates earn 4.50% APY without our Checking Relationship Bump. Checking Relationship Bump: Monthly, when at least one certificate owner also is an owner of at least one open Columbia Credit Union consumer or business checking account (excluding our youth Spend account and money market accounts) certificate earns 5.00% APY. Certificates automatically renew to the following then-current certificate rates and terms: 8 & 9 month to 6-month; 10 & 11 month to 12-month. Penalty may be imposed for early withdrawal.
³Early direct deposit may be available to you up to 3 days earlier. However, we depend on the timing of your payer’s payment, payroll, retirement, government benefits, etc. Therefore you may not always see your direct deposit arrive early.