¹One year of earnings of up to $1,300 based on meeting requirements for qualifying transactions to earn 5.50% APY on account and carrying $25,000 daily balance for 12 months. Potential earnings with a Columbia Credit Union Income Checking account are estimates based on published rates current as of October 1, 2024 and subject to change without notice. 

²APY=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).

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.

⁴Typical closing costs range from $50-$1,050. Of that amount, Columbia Credit Union will cover up to $775 in the form of a lender credit (lender credit does not apply to full appraisal costs, if full appraisal is required. Appraisal fees are to be paid upfront by the member in the event the full appraisal becomes necessary).

⁵APR=Annual Percentage Rate. If you’re refinancing your vehicle loan from another lender, we will give you the lowest of either a) your Columbia CU qualifying APR or; b) up to 1.00% APR off your current lender’s APR down to our floor of 4.99% APR. Checking Relationship rate discount of 0.25% APR for automatic loan payments from Columbia CU checking. Within 60 days of loan closing, Auto Pay can be set up via automatic transfers from your Columbia CU checking to your loan with either the assistance of a Columbia CU representative or by setting up recurring transfers in Columbia CU’s Online Banking.

⁶APR=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 12.99% – 24.99% will apply. Subject to credit approval. Other terms and conditions may apply. See disclosures for additional detail.