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.

  • 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

9-MONTH "ADD-TO" SUPER SAVER CD

What's your someday?

Is it college for the kids, a comfortable retirement, or that new roof you need next year? Maybe it’s just some extra cash on hand. Today, our 9-month CD gives you the opportunity to set your goal with a guaranteed return—then exceed it.

  • 9-month term earns 4.75% APY¹
  • Get a Loyalty Bump-Up to 5.00% APY each month you use your debit card 15 times.
  • See your bumped rate in each month-end statement.
  • Add funds any time during your term
  • $500 minimum to open

Whether it’s a small goal or large, know you’ll hit it—or earn even more—with our new CD.

Where you bank matters. 

Remember that Columbia Credit Union is your local not-for-profit financial institution. Your money here flows right back into the community to offer lower loan rates, high-yield deposits, and widespread donation dollars. It’s good for you and our neighbors, too.

12-MONTH CERTIFICATE

Save for what matters with a 4.00% APY2 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% APY³ on balances over $100,000. Put away big savings for a short-term earnings gain.

Columbia Credit Union Personal Checking Account Rewards!

INCOME CHECKING

Earn 6.00% APY4 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

Looking for more ways to save?

¹APY = Annual Percentage Yield and is accurate as of January 29, 2024. O­ffer subject to change without notice. Available for personal, IRA, and business certificates. $500 minimum to open and earn dividends. On qualifying months, the Super Saver certificate’s APY will have a Loyalty Bump-up to 5.00% APY for that month. Certificate will earn 4.75% APY on months where requirements are not met. Loyalty Bump-Up APY Requirements: As of the last day of each calendar month during the Super Saver certificate’s original Term, at least one certificate owner is also an owner of at least one Columbia CU Active Checking. Active Checking defined as having at least 15 debit card point-of-sale withdrawals in the calendar month. Trust Accounts: Active Checking and Super Saver certificate must be titled under the Trust to be eligible for Loyalty Bump-Up APY. Add-To Feature: Additional deposits allowed at any time during the original Term of the Super Saver certificate and do not affect the maturity date. Certificate automatically renews to then-current 12-month certificate rates and terms. Penalty may be imposed for early withdrawal.

²APY=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.

³APY=Annual Percentage Yield and is accurate as of October 4, 2023. 

4APY is accurate as of July 10, 2023 and can change at any time without notice. One Income Checking per member with Tax Reported Owner role. Minimum to open is $1. To earn rewards, you must meet each of the following requirements: 1) Be enrolled to get e-Statements by 11:59 p.m. PT two days before month end; 2) Have a direct deposit of at least $500 by 6:00 p.m. on the last day of the month; 3) Make at least 15 purchases using a combination of your Income Checking debit card by 6:00 p.m. PT two days before month end and your Columbia CU credit card by 11:59 p.m. PT two days before month end. For example: In a month with 30 days, e-Statements by the 28th, direct deposit by month end, debit purchases by the 28th, and credit card purchases by the 28th. Please note, debit and credit card transactions may not post on the same day as the purchase. ATM transactions do not count toward the purchase requirement. For credit card purchases to apply, the member with the Tax Reported Owner Role must be the same on the Income Checking account and on the Columbia Credit Union Visa credit card.