Certificate Accounts

AUTO LOANS

Header Example

Refi your ride for up to 1.25%* off your rate.

Buy or refi your ride for lower monthly payments with Columbia Credit Union! Refinance your auto loan from another lender and we’ll cut up to 1.25% APR off your current rate. It’s pays to ride with the area’s #1 auto lender.

AUTO LOANS

Header Example

Refi your ride for up to 1.25%* off your rate.

Buy or refi your ride for lower monthly payments with Columbia Credit Union! Refinance your auto loan from another lender and we’ll cut up to 1.25% APR off your current rate. It’s pays to ride with the area’s #1 auto lender.

Checking

REDUCED AUTO RATES

Get a reduced auto rate.

We want to put you in the driver’s seat of your car loan. Find great rates as low as 5.49%¹ APR, or take 1.25% APR off your existing rate from another lender on any year vehicle down to our floor of 4.99% APR when you refinance from another lender and set up automatic payments from your Columbia CU checking account.

REDUCED AUTO RATES

Get a reduced auto rate.

We want to put you in the driver’s seat of your car loan. Find great rates as low as 5.49%¹ APR, or take 1.25% APR off your existing rate from another lender on any year vehicle down to our floor of 4.99% APR when you refinance from another lender and set up automatic payments from your Columbia CU checking account.

★★★★★

"Friendly and knowledgeable staff. We've found great options on CDs, car loans, LOC, and have received excellent experiences all around. ☺"

Cynthia E.

THE CREDIT UNION DIFFERENCE

Join the credit union movement.

Watch Lindsey Salvestrin, our President and CEO, be joined by our Chief Experience Officer Colleen Boccia for a chat with Fox 12’s Stephanie Kralevich about the credit union movement and all the benefits of being a member at a place that puts people first:

  • How money stays in the community
  • Why credit unions can offer better rates
  • What local service brings to members

THE CREDIT UNION DIFFERENCE

Join the credit union movement.

Watch Lindsey Salvestrin, our President and CEO, be joined by our Chief Experience Officer Colleen Boccia for a chat with Fox 12’s Stephanie Kralevich about the credit union movement and all the benefits of being a member at a place that puts people first:

  • How money stays in the community
  • Why credit unions can offer better rates
  • What local service brings to members

INCOME CHECKING

Earn 5.50% APY2 with Income Checking.

Each month, earn 5.50% APY on balances up to $25,000 and receive up to $25 in nationwide ATM fee rebates when 3 easy steps are completed during that month’s Requirements Period (26th of the prior month – 25th of the current month):

  • Make at least 15 purchases using a combination of your Columbia CU debit card(s) and credit card(s)
  • Have a direct deposit of at least $500 into your Income Checking
  • Enroll in e-statements

INCOME CHECKING

Earn 5.50% APY2 with Income Checking.

Each month, earn 5.50% APY on balances up to $25,000 and receive up to $25 in nationwide ATM fee rebates when 3 easy steps are completed during that month’s Requirements Period (26th of the prior month – 25th of the current month):

  • Make at least 15 purchases using a combination of your Columbia CU debit card(s) and credit card(s)
  • Have a direct deposit of at least $500 into your Income Checking
  • Enroll in e-statements

Don't just take it from us.

Best of Clark County Award
2008-2024

The Columbian

Corporate Philanthropy Award
2017-2024

Portland Business Journal

Best in Business Award
2013-2024

Vancouver Business Journal

$50 FOR YOU! $50 FOR THEM!

Refer a Friend for $50

Refer a friend to open their first checking account with Columbia CU and we’ll deposit $50 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.

$50 FOR YOU! $50 FOR THEM!

Refer a Friend for $50

Refer a friend to open their first checking account with Columbia CU and we’ll deposit $50 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.

Become a member.

Columbia Credit Union membership is open to individuals and businesses in Washington State and in the Oregon communities of Clackamas, Marion, Multnomah, and Washington Counties (and to the families of eligible individuals).

*APR=Annual Percentage Rate and is accurate as of February 27, 2025. APRs range from 5.49% to 13.99%. 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 5.49% APR, your monthly payment would be $381.93. 

¹If 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. Within 60 days of loan closing, 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.

²APY=Annual Percentage Yield is accurate as of April 1, 2025, 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. Requirements Period: (26th of the prior month – 25th of the current month). To earn Rewards APY and/or ATM fee rebates you must complete these three Requirements during the month’s Requirements Period: 1) Be enrolled in e-Statements; 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: 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).