Certificate Accounts

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

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

INCOME CHECKING

Earn 5.50% APY1 with Income Checking.

Each month, earn 5.50% APY1 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% APY1 with Income Checking.

Each month, earn 5.50% APY1 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

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 is accurate as of June 1, 2024, 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).