Columbia Credit Union offers 5.00% APY on a 15-month Certificate of Deposit when combined with our 5.00% APY Income Checking!

15-Month High-Five Certificate

Earn two high yield high fives!

Pair two high fives together to earn as high as 5.00% APY1 on a 15-month CD when combined with our 5.00% APY Income Checking2.

Get the best rate of 5.00% APY on your 15-Month Certificate every month your Income Checking account qualifies for its high interest Rewards APY, too.

Your money, Your way.

Free of monthly fees, high in rewards, and made for dividends—Columbia CU has the high interest checking account to fit your needs.

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Make your money work harder for you with a high interest checking account.

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Get free check folios, safe deposit box discounts and coupon books.

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Learn about money management with a first checking account for kids up to age 18.

Columbia Credit Union Personal Checking Account Rewards!


Earn 5.00% APY with Income Checking.

Plus, Income Checking + VISA Credit Cards work together. Combine your debit and credit card transactions to unlock 1) a high interest rate of 5.00% APY on your Income Checking balances up to $25,000 and 2) get 0% APR2 for 12 months on purchases and balance transfers made within the first 90 days with your VISA credit card.

Columbia Credit Union Accessibility Statement - Usability for all.

$70 FOR YOU! $70 FOR THEM!

Refer a Friend for $70

Refer a friend to open their first checking account with Columbia CU and we’ll deposit $70 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.

Checking Accounts

Three free checking options

Each month, earn 5.00% APY on balances up to $25,000 and receive up to $25 in nationwide ATM fee rebates each month in 3 easy steps.

  • Requirements to earn 5.00% APY and ATM refunds:
    • 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
  • If you don’t meet the qualification requirements, you will earn 0.05% on your balance and ATM fees will not be reimbursed
  • No monthly fee or minimum balance requirements
  • No Columbia CU ATM fee
  • Free Online and Mobile Banking, debit rewards, budgeting tool, and e-statements
  • $1 minimum to open
  • Available with Stash Your Cash
  • Direct Deposit
  • More Details

Enjoy discounts and perks like:

  • One free folio of Columbia CU checks per year
  • Free unlimited money orders
  • 25% discount on safe deposit box rental
  • Free local coupon book annually if you hold a money market account
  • No monthly fee or minimum balance requirements
  • Free Online and Mobile Banking, debit rewards, budgeting tool, and e-statements
  • No Columbia ATM fee
  • $1 Minimum to open
  • Available with Stash Your Cash
  • Direct Deposit
A free account for kids up to age 18 with a parent or guardian co-account holder. Learn about your first spending account with all of the following benefits:
  • Free standard or custom-design debit card
  • Free Online & Mobile Banking, budgeting tools, debit rewards, and e-Statements
  • Link to CardValet app for remote parental controls
  • No monthly fee
  • No minimum balance
  • No overdrafts
  • Lower limits for (unlimited) ATM withdrawals
  • $1 minimum to open
  • Automatically converts to Income Checking when child turns 18


What can getting paid up to 3 days early do for you?

Open an account with early direct deposit to get your money to you up to 3 days sooner than your regularly scheduled payments.

All the features that come with your debit card:

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Add your debit and credit card to Apple Pay, Google Pay, or Samsung Pay to ditch the plastic completely.

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All cards are protected with EMV chip technology to keep your information secure.

Need to send money to a friend? Make peer-to-peer payments with Popmoney in Online & Mobile Banking.

Personalize your debit card by uploading your own one-of-a-kind image for free.

Protect your cards against fraud by turning them off/on from your mobile device.


Keep low balances?

Set up Overdraft Protection to transfer funds from linked accounts when your account is overdrawn.

  • When there aren’t enough funds in your account to cover a transaction, Columbia CU will transfer funds in increments of $100 from your linked accounts for $5 per transfer
  • If the full $100 is not available in your linked accounts, but there is enough to cover the overdraft and the $5 fee, that amount will be transferred to cover the overdraft
  • Link to your Savings Account, Money Market Account, Checking Account, Personal Line of Credit, or all four
  • Set up Overdraft Protection by calling 360.891.4000, visiting a branch, or using the Digital Assistant


Worried about
getting declined?

Swipe your debit card without fear of being declined at point of purchase with Discretionary Courtesy Pay.

  • Comes automatically for purchase made by check or through automatic clearing house
  • Opt in to have Columbia cover your everyday debit card purchase when you don’t have enough available funds in your checking account or through Overdraft Protection
  • If Discretionary Courtesy Pay is used, an overdraft fee of $30 applies for this safeguard on your transaction

Financial education lesson

Checking Accounts

Learn about the features, benefits, and functions of checking accounts.

Need a savings account?


¹APY=Annual Percentage Yield and is accurate as of March 22, 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.


20% Introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers made within the first 90 days. After the Intro APR offer ends, a Variable APR that’s currently 12.24% – 24.24% will apply. Subject to credit approval. Other terms and conditions may apply. See disclosures for additional detail.


3Early direct deposit is available for checking members that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 3 days earlier, however, we are dependent on the timing of your payer’s payment and therefore you may not always see your direct deposits arrive early.