Debt Consolidation

DEBT CONSOLIDATION

Bring over your credit card balances, fee-free!

Take advantage of low-rate resolutions with a Columbia CU Visa credit card. You’ll pay no balance transfer fee when moving higher-rate balances from other credit cards and save big with 0% interest for the first 12 months.

It’s also a great option for consolidating debt from store credit cards or buy-now-pay-later balances.

DEBT CONSOLIDATION

Bring over your credit card balances, fee-free!

Take advantage of low-rate resolutions with a Columbia CU Visa credit card. You’ll pay no balance transfer fee when moving higher-rate balances from other credit cards and save big with 0% interest for the first 12 months.

It’s also a great option for consolidating debt from store credit cards or buy-now-pay-later balances.

Checking

Pay no balance transfer fee.

Most banks charge 3-5% in fees for balance transfers, costing $300 to $500 on a $10,000 balance. Columbia Credit Union charges NOTHING.

Columbia Credit Union Balance Transfer Fee...$ZERO. Average Balance Transfer Fee from the Big Banks...$500.

VISA SIGNATURE CASHPLUS

$200 bonus, 0% interest for 12 months, and a local favorite.

Check out our premium card with no annual fee!

  • 0% APR¹ for 12 months
  • Get $200 after making $3,000 in purchases in the first 90 days
  • 1.25% cashback on all purchases

VISA SIGNATURE CASHPLUS

$200 bonus, 0% interest for 12 months, and a local favorite.

Check out our premium card with no annual fee!

  • 0% APR¹ for 12 months
  • Get $200 after making $3,000 in purchases in the first 90 days
  • 1.25% cashback on all purchases

★★★★★

"I love my Columbia CU accounts. I have checking, credit card, car loan, and a child's account through them. Everything is very easily accessible through the app and the live chat on the website makes it extremely easy to accomplish thing while I'm multitasking. Even moving away from my actual branch locations, it's a bank I will always have, due to how they have multiple platforms of customers service that can take care of things."

- Cassandra B.

HOME EQUITY

Can your home equity help you save?

A Home Equity Line of Credit (HELOC) allows you to draw against the equity in your home as a line of credit, then pay it back over a long period of time.

  • Borrow up to 100% of your home’s equity
  • Low monthly payments spread over long periods of time
  • Refinance higher interest debt
  • Although we offer higher limits, Columbia CU offers a credit for the first $400 in closing costs

See rates and disclosures.

HOME EQUITY

Can your home equity help you save?

A Home Equity Line of Credit (HELOC) allows you to draw against the equity in your home as a line of credit, then pay it back over a long period of time.

  • Borrow up to 100% of your home’s equity
  • Low monthly payments spread over long periods of time
  • Refinance higher interest debt
  • Although we offer higher limits, Columbia CU offers a credit for the first $400 in closing costs

See rates and disclosures.

MOBILE WALLET

Pay without making contact.

Experience the convenience and security of our Mobile Wallet service. Simply add your Columbia Credit Union debit or credit card to your device’s Apple Pay, Google Pay, or Samsung Pay app.

Make purchases in stores and within apps without swiping your cards or entering payment and contact information. Rest assured that merchants will never see your personal details or contact info.

  • Secure transactions: Add your Columbia Credit Union card to your mobile wallet for secure payments.
  • Contact-free shopping: Make purchases in stores and within apps without swiping your card or entering payment information.
  • Protect your personal information: Merchants will never see your name, card numbers, or security codes.
  • Easy setup: To start using Mobile Wallet, just add your Columbia CU debit or credit card to the Apple Pay, Google Pay, or Samsung Pay app on your device.
  • Discover more digital services: Explore more ways Columbia Credit Union can simplify your life with our digital services.
Man's hand holding smartphone using Columbia Credit Union Rewards Credit Card in mobile wallet

MOBILE WALLET

Man's hand holding smartphone using Columbia Credit Union Rewards Credit Card in mobile wallet

Pay without making contact.

Experience the convenience and security of our Mobile Wallet service. Simply add your Columbia Credit Union debit or credit card to your device’s Apple Pay, Google Pay, or Samsung Pay app.

Make purchases in stores and within apps without swiping your cards or entering payment and contact information. Rest assured that merchants will never see your personal details or contact info.

  • Secure transactions: Add your Columbia Credit Union card to your mobile wallet for secure payments.
  • Contact-free shopping: Make purchases in stores and within apps without swiping your card or entering payment information.
  • Protect your personal information: Merchants will never see your name, card numbers, or security codes.
  • Easy setup: To start using Mobile Wallet, just add your Columbia CU debit or credit card to the Apple Pay, Google Pay, or Samsung Pay app on your device.
  • Discover more digital services: Explore more ways Columbia Credit Union can simplify your life with our digital services.

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

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

Frequently Asked Questions

Transferring your debt to a lower-interest card can really help you save money. For instance, if you owe a large sum on a 23.74% interest credit card, a 0% balance transfer offer on another card could save you hundreds over the course of a year.

Columbia Credit Union will not charge a fee to make a balance transfer. Many financial institutions do charge a fee between 3-5% for each new balance transfer.

Columbia CU credit cards offer 0% APR for 12 months on purchases and balance transfers made in the first 90 days.

When closing an old account, your score may temporarily decrease because it could be based partly on how long you’ve had your accounts and how much of your available credit you’re using.

However, a balance transfer may also improve your credit score if you open a new card as part of a balance transfer offer and you’re approved for a higher credit limit. That would increase your available credit, so the percentage of your debt wouldn’t be as large. The bottom line is balance transfers are a great way to transfer high-interest debt to low-interest debt, and if you already have good credit, paying your statement on time and making the minimum payments may help you achieve excellent credit.

With our Signature CashPlus card, you can earn $200 when you make $3,000 in purchases in the first 90 days. By using your Signature CashPlus card as your main spending card, getting extra cash in your account could be easy.

$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).

¹APR=Annual Percentage Rate. 0% 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.