¹3.75% Annual Percentage Yield (APY) is accurate as of May 4, 2026. Offer is subject to change and may be discontinued at any time without notice. Available for personal and business certificate types. A minimum balance of $500 is required to open and earn dividends. Additional funds may be added at any time during the term. At maturity, the certificate will automatically renew to the then‑current 12‑month certificate rate/terms unless certificate owner provides other instructions. One‑time rate bump feature: Certificate owner must contact Columbia CU to request the one‑time rate increase. Once received, the certificate rate is adjusted on the next business day. New rate applies and is not retroactive, will match the rate offered on Columbia CU’s standard 12‑month certificate at the time of the request. Does not extend the maturity date. Early withdrawal feature: After the account has been open for six months, up to 50% of the promotional CD balance may be withdrawn one time without penalty. Any withdrawal amount over 50% is subject to early withdrawal penalties. Fees may reduce earnings. Membership required.

²Ride with Columbia Credit Union Sweepstakes. See Official Rules for details, eligibility restrictions, entry conditions, prize descriptions, and how to enter without purchase at ColumbiaCU.org/buzz. All third-party names and trademarks are the property of their respective owners. This sweepstakes is not sponsored, endorsed, or affiliated in any way with Volkswagen, or their affiliates.