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¹APY=Annual Percentage Yield is accurate as of January 1, 2026, 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 one 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).

²APR=Annual Percentage Rate and is accurate as of January 30, 2026. APRs range from 5.24% 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 5.24% APR, your monthly payment would be $379.63.

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. Within 60 days of loan closing, automatic payments can be set up via an automatic transfer from your Columbia CU consumer checking account to your loan with the assistance of a Columbia CU representative via phone or by visiting your local branch. Membership required to borrow. Columbia Credit Union may offer other rates in the future.

³APR=Annual Percentage Rate and is accurate as of April 1, 2026. Introductory APR is fixed for the first six (6) months of your newly opened Home Equity Line of Credit (HELOC). Introductory APR is available only on primary residences. Introductory APR is fixed and based on the Wall Street Journal Prime Rate minus a margin of 2.26% and has a minimum 1.99% APR. After the six-month introductory period, the minimum lifetime APR is 4.00% and the maximum lifetime APR is 15.00%. Non-introductory APRs are variable and are based on the Wall Street Journal Prime Rate plus a margin ranging from 0.75%-2.00% depending on your creditworthiness and combined loan-to value (CLTV). The APR can change quarterly on the 1st of January, April, July, and October based on the Wall Street Journal Prime Rate. No annual fee the first year, thereafter $50.

⁴Typical closing costs range from $50-$1,050. During the promotional period, Columbia Credit Union will waive the standard closing costs (Origination, Title, Flood, and Recording fees). The promotion does not apply to full appraisal costs or escrow fees, or any additional title fees, if required. Appraisal fees are to be paid upfront by the member in the event that the full appraisal becomes necessary. To qualify, applications must be received during the promotional period, April 1, 2026, to May 31, 2026. To qualify, the home equity loan or line of credit must be funded by June 30, 2026. Membership is required to borrow. Columbia CU HELOCs are subject to application and credit approval. Please consult your tax advisor regarding tax deductibility of interest and charges. Homeowner’s insurance is required. Equal Housing Opportunity.