CERTIFICATE ACCOUNTS
Certificate Accounts
CERTIFICATE ACCOUNTS
Grow your savings at 2X the national rate!
Get a 12-Month CD, pick your tier, and grow your savings faster with a rate that’s more than 2X the national average.*
Checking
12-Month CD Rates
| Annual Percentage Yield (APY1) | Minimum Balance |
|---|---|
| 4.25% | $100,000 |
| 3.95% | $50,000 |
| 3.75% | $10,000 |
| 3.70% | $500 |
★★★★★
"Friendly and knowledgeable staff. We've found great options on CDs, car loans, LOC, and have received excellent experiences all around."
- Cynthia E.
6-MONTH CERTIFICATE
Earn more on your savings with a 6-month CD.
Boost your short-term savings potential by picking a tier for a 6-month term. The more you put into your CD, the more you’ll earn.
- Earn 3.45% APY – $500 to $9,999.99
- Earn 3.50% APY – $10,000-49,999.99
- Earn 3.70% APY – $50,000-99,999.99
- Earn 4.00% APY – $100,000+
Open a CD online in minutes.
6-MONTH CERTIFICATE
Earn more on your savings with a 6-month CD.
Boost your short-term savings potential by picking a tier for a 6-month term. The more you put into your CD, the more you’ll earn.
- Earn 3.45% APY – $500 to $9,999.99
- Earn 3.50% APY – $10,000-49,999.99
- Earn 3.70% APY – $50,000-99,999.99
- Earn 4.00% APY – $100,000+
Open a CD online in minutes.
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).
*Columbia Credit Union certificate rates are in comparison to the national average for the 12-Month Certificate at 1.80% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps; accurate as of February 18, 2025.
¹APY=Annual Percentage Yield and is accurate as of March 1, 2025.
²APY=Annual Percentage Yield is accurate as of March 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).