CERTIFICATE ACCOUNTS
Certificate Accounts
CERTIFICATE ACCOUNTS
Watch your savings grow with rates up to 3.80% APY.¹
Plant some funds for a fixed term and watch savings interest grow faster than a savings account.
Turn long-term savings into earnings
Flexible Terms
Choose a timeline that fits your plans, with terms ranging from 3 months to 5 years.
Tiered rates
The more you save in your certificate of deposit, the higher your rate grows.
Start Small
Open your CD with a minimum balance of just $500 and watch your savings take off.
Certificates (Personal & IRA)
| Term | $500 Minimum APY | $10,000.00 Minimum APY | $50,000.00 Minimum APY | $100,000.00 Minimum APY |
|---|---|---|---|---|
| 3 Month | 1.20% | 1.25% | 1.35% | 1.55% |
| 6 Month | 3.45% | 3.50% | 3.60% | 3.80% |
| 12 Month | 2.95% | 3.00% | 3.10% | 3.30% |
| 18 Month | 2.70% | 2.75% | 2.85% | 3.05% |
| 24 Month | 2.70% | 2.75% | 2.85% | 3.05% |
| 30 Month | 2.45% | 2.50% | 2.60% | 2.80% |
| 3 Year | 2.45% | 2.50% | 2.60% | 2.80% |
| 4 Year | 2.45% | 2.50% | 2.60% | 2.80% |
| 5 Year | 2.45% | 2.50% | 2.60% | 2.80% |
The Annual Percentage Yield (APY) is accurate as of August 7, 2025, and is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce the stated APY.
CERTIFICATE ACCOUNTS
Grow your savings at 2X the national rate!
Get a 6-Month CD, pick your tier, and grow your savings faster with a rate that’s more than 2X the national average.²
CERTIFICATE ACCOUNTS
Grow your savings at 2X the national rate!
Get a 6-Month CD, pick your tier, and grow your savings faster with a rate that’s more than 2X the national average.²
Additional Details
Earn high dividends on your money by planting them in a Certificate Account for a fixed term. When you open a Certificate at Columbia Credit Union, you get:
- Competitive returns with guaranteed rates up to 3.80% APY.
- Tiered interest rates that increase with your balance, helping you maximize your earnings through compound interest.
- Flexible terms ranging from 3 months to 5 years, allowing you to choose what works best for your financial plans.
- An accessible $500 minimum balance requirement, making it easy to start earning.
- Automatic renewal at current market rates, ensuring your money continues working for you without interruption.
Additional Details
Earn high dividends on your money by planting them in a Certificate Account for a fixed term. When you open a Certificate at Columbia Credit Union, you get:
- Competitive returns with guaranteed rates up to 3.80% APY.
- Tiered interest rates that increase with your balance, helping you maximize your earnings through compound interest.
- Flexible terms ranging from 3 months to 5 years, allowing you to choose what works best for your financial plans.
- An accessible $500 minimum balance requirement, making it easy to start earning.
- Automatic renewal at current market rates, ensuring your money continues working for you without interruption.
CERTIFICATE OF DEPOSITS
How to open a Certificate Account
- Apply Online: Click the button below or stop by your nearest branch to get started.
- Choose a Term: Select a term that works for your goals, with flexible options from 3 months to 5 years.
- Fund Your CD & Start Earning: Make your initial deposit of $500 or more and begin earning competitive returns right away.
CERTIFICATE OF DEPOSITS
How to open a Certificate Account
- Apply Online: Click the button below or stop by your nearest branch to get started.
- Choose a Term: Select a term that works for your goals, with flexible options from 3 months to 5 years.
- Fund Your CD & Start Earning: Make your initial deposit of $500 or more and begin earning competitive returns right away.
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
- Your kid is in charge: They can withdraw and deposit funds on their own
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
- Your kid is in charge: They can withdraw and deposit funds on their own
Not sure if a Certificate Account is right for you?
Compare it with other savings options.
| Product | Minimum Balance to Open | APY | Fees | Terms | Withdrawl Limits | Best For |
|---|---|---|---|---|---|---|
| Certificates Of Deposit | $500 | Up to 4.00% APY | No monthly fees | 3 months to 5 years | Early withdrawals may incur penalties | Individuals who want to commit to saving for a specific period with a higher returns |
| Income Checking | $1 | Up to 5.50% APY 3 | No monthly fees | No terms | No limits, but criteria must be met to earn 5.50% APY; otherwise, 0.05% APY | Individuals who frequently use their Columbia CU debit or credit card for everyday purchases |
| Premium Money Market Account | $100,000 | Up to 3.75% APY | No monthly fees | No terms | Unlimited in-person withdrawals | Individuals seeking higher interest rates with easy access to their money |
| Money Market Account | No minimum balance | Up to 1.00% APY | No monthly fees if your balance is at least $1,500; otherwise, $8 | No terms | Unlimited in-person withdrawals | Individuals seeking higher interest rates with easy access to their money |
| Regular Savings Account | $5 | Up to 0.10% APY | No monthly fees if your balance is at least $300; otherwise, $3 | No terms | Two free withdrawals per month; $0.50 thereafter | Individuals starting to save or building an emergency fund with minimal opening requirements |
INCOME CHECKING
Earn 5.50% APY 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 one direct deposit of at least $500 into your Income Checking
- Enroll in e-statements
INCOME CHECKING
Earn 5.50% APY 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 one direct deposit of at least $500 into your Income Checking
- Enroll in e-statements
Frequently Asked Questions
Both banks and credit unions offer secure certificate options with guaranteed returns, and both are federally insured. However, credit Unions like Columbia typically offer higher CD rates than banks. That is because, as a member-owned institution, we return our profits to you with better rates and fewer fees.
Yes, CDs are one of the safest investment options. Even if the market crashes, your Certificate of Deposit is federally insured up to $250,000 by the NCUA (National Credit Union Administration), providing you with the peace of mind that both your initial deposit and earned interest are secure.
The maturity date is the end of your chosen Certificate term. At that time, you can withdraw your funds or renew your Certificate for another term. If you don’t let us know that you’d like to withdraw your funds before the maturity date, your Certificate will automatically renew at the current market rates.
You may incur an early withdrawal penalty if you withdraw funds from your Certificate of Deposit before the maturity date. However, you can withdraw any interest earned without penalty at any time during the term. Withdrawing all or part of the initial deposit, though, will result in an early withdrawal penalty. The penalty amount depends on your CD term and the specific conditions outlined in your account agreement. If you have questions or need assistance, feel free to contact us.
REFER A FRIEND BONUS
Refer a Friend for $121
We’re celebrating our 121,000+ members with a $121 referral boost payout through December, 2025! That means you can BOTH earn $121 when you refer your friends and family to join. The more you refer, the more you can earn!
REFER A FRIEND BONUS
Refer a Friend for $121
We’re celebrating our 121,000+ members with a $121 referral boost payout through December, 2025! That means you can BOTH earn $121 when you refer your friends and family to join. The more you refer, the more you can earn!
★★★★★
"Friendly and knowledgeable staff. We've found great options on CDs, car loans, LOC, and have received excellent experiences all around."
- Cynthia E.
Other smart ways to save.
Money Market Accounts
Experience higher interest rates than traditional checking or savings accounts with our Money Market Account. Enjoy easy access to your funds and watch your savings grow—the more you save, the more you earn!
Holiday Club Savings Accounts
Enjoy a stress-free holiday season with our Holiday Club Savings Account. Save throughout the year, earn dividends to boost your savings, and access your funds just in time for holiday shopping.
Individual Retirement Accounts
Whether you’re saving for retirement or your child’s college education, we have the perfect IRA for you. Start saving today to secure your financial future with tax benefits and flexible options.
Looking for more ways to save?
¹APY=Annual Percentage Yield and is accurate as of September 11, 2025.
²Columbia Credit Union certificate rates are in comparison to the national average for the 6-Month Certificate at 1.60% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps; accurate as of April 21, 2025.
³APY=Annual Percentage Yield is accurate as of April 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 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).