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high dividends

Our rates are some of the best around. Just plant your deposit and watch it grow.

NCUA insured

Your funds at Columbia Credit Union are federally insured by the NCUA.

low risk

With a fixed term and rate of return, these are dividends you can count on.

low minimum deposit

Plant as little as $500 in a Certificate Account to start earning dividends on the money you've saved.

save smart. earn more.

Put your funds to work with a federally-insured Certificate Account and start earning more than you would in a regular Savings Account.

Personal Certificates




  • 18 month term
  • Fixed returns
  • NCUA insured
  • Safe and secure

Need a Business or IRA certificate? Visit a branch to get started.

Frequently asked questions

For business and IRA certificates, visit any branch. For personal certificate accounts, click here.

If you don’t need immediate access to your savings, planting your money in a Certificate Account can earn you a higher rate of return than a traditional savings account.

You can open your certificate account with any deposit amount over $500 for terms from 3 months to 5 years. Our rates are tiered, so the more you save, the more you earn. You can open your account at any branch, or your personal certificate online here.

The dividends you earn will be deposited directly into your Certificate Account. 

When your certificate matures, it will automatically renew for the same term at the then-current rate.

Although you may withdraw your funds before maturity, there is a penalty for early withdrawal which is explained in full with our Certificate Account rates.

*APY=Annual Percentage Yield. APYs are available and accurate as of January 2, 2019 and may be discontinued at any time without notice. Available for personal, IRA and business certificates. $500 minimum to open. For 18-month certificate: 2.70% APY up to $9,999.99, 2.75% APY for $10,000.00 – $49,999.99, 2.80% APY for $50,000 – $99,999.99, 2.85% APY for $100,000 or more. For 30-month certificate: 3.45% APY up to $9,999.99, 3.50% APY for $10,000.00 – $49,999.99, 3.55% APY for $50,000 – $99,999.99, 3.60%.APY for $100,000 or more. Penalty for early withdrawal. Membership required. Live or work in Washington State or the Oregon community of Clackamas, Marion, Multnomah and Washington Counties? Join us. Federally insured by NCUA.