CERTIFICATE ACCOUNTS
Plant it.
CERTIFICATE ACCOUNTS
Plant it. Leave it. Watch it grow.
Plant some funds for a fixed term and watch savings interest grow faster than a savings account.
CERTIFICATE ACCOUNTS
Turn long-term savings into earnings.
Earn high dividends on your money by planting them in a Certificate Account for a fixed term.
- Tiered rates
- Terms from 3 months to 5 years
- Minimum balance as low as $500
- Automatically renews at then-current market rates
CERTIFICATE ACCOUNTS
Turn long-term savings into earnings.
Earn high dividends on your money by planting them in a Certificate Account for a fixed term.
- Tiered rates
- Terms from 3 months to 5 years
- Minimum balance as low as $500
- Automatically renewable at then-current market rates
12-MONTH CERTIFICATE
Save for what matters with a 4.00% APY1 CD.
Earn 4.00% APY on savings balances over $10,000 with our 12-month certificate—plus more great 12-month CD rates for other balance amounts.
- $500 minimum
- Personal, IRA or Business Certificates
12-MONTH CERTIFICATE
Save for what matters with a 4.00% APY1 CD.
Earn 4.00% APY on savings balances over $10,000 with our 12-month certificate—plus more great 12-month CD rates for other balance amounts.
- $500 minimum
- Personal, IRA or Business Certificates
6-MONTH CERTIFICATE
Earn more on higher balances.
Our 6-Month Certificate earns 4.00% APY² on balances over $100,000. Put away big savings for a short-term earnings gain.
6-MONTH CERTIFICATE
Earn more on higher balances.
Our 6-Month Certificate earns 4.00% APY² on balances over $100,000. Put away big savings for a short-term earnings gain.
INCOME CHECKING
Earn 6.00% APY3 with Income Checking.
While your savings are in over-drive with a high-earning certificate, put your checking balance to work with a high yield each month your account qualifies.
Earn your checking high yield each month with these 3 qualifications:
- 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 6.00% APY3 with Income Checking.
While your savings are in over-drive with a high-earning certificate, put your checking balance to work with a high yield each month your account qualifies.
Earn your checking high yield each month with these 3 qualifications:
- 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
Scroll down to see the full terms.
YOUTH CERTIFICATES
Achiever's Club Youth Certificates
Let your kids learn about money management with a certificate for youth under age 19.
- Certificate Account designed to teach those under age 19 about money management while earning high dividends on their savings
- Tiered rates
- 12 month term
- Minimum balance to open as low as $100
- Add funds anytime
- Automatically renewable at then-current market rates until member is 19 years old
YOUTH CERTIFICATES
Achiever's Club Youth Certificates
Let your kids learn about money management with a certificate for youth under age 19.
- Certificate Account designed to teach those under age 19 about money management while earning high dividends on their savings
- Tiered rates
- 12 month term
- Minimum balance to open as low as $100
- Add funds anytime
- Automatically renewable at then-current market rates until member is 19 years old
Looking for more ways to save?
¹APY=Annual Percentage Yield. APYs are available and accurate as of November 21, 2023 and may be discontinued at any time without notice. Available for personal, IRA and business certificates. $500 minimum to open and earn dividends. For 12-month certificate: 3.95% APY up to $9,999.99, 4.00% APY for $10,000.00 – $49,999.99, 4.20% APY for $50,000 – $99,999.99, 4.50% APY for $100,000 or more. Penalty may be imposed for early withdrawal. Membership required.
²APY=Annual Percentage Yield and is accurate as of October 4, 2023.
³APY=Annual Percentage Yield and is accurate as of July 10, 2023 and can change at any time without notice. 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).