Money Market



Dividend payout will be based on daily balance

Account Up to $0 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 +
Rate APY 1 Rate APY 1 Rate APY 1 Rate APY 1 Rate APY 1 Rate APY 1
Money Market Account 0.03% 0.03% 0.03% 0.03% 0.06% 0.06% 0.10% 0.10% 0.15% 0.15% 0.18% 0.18%
Money Market Account w/ Bonus Dividend Plan 2 0.03% 0.03% 0.03% 0.03% 0.07% 0.07% 0.13% 0.13% 0.19% 0.19% 0.23% 0.23%

1 APY = Annual Percentage Yield

2 Bonus Dividend Plan

Earn a bonus dividend on your money market balance when enrolled in the Bonus Dividend Plan ("Plan") and meet Plan requirements. Plan requirements: Columbia Credit Union personal checking account ("Checking") with a minimum balance of $2500 and either a direct deposit into Checking (in the current or previous statement period) or payment of a CCU loan in current statement period by automatic transfer from Checking. Checking, loan and money market accounts must be under the same membership number. To enroll in the Plan or to obtain additional information, visit any Columbia branch, use our secure "Contact Us" webform, online Live Chat, or call member service. Must enroll in the Plan and meet eligibility requirements by close of business on the last business day of the month to receive bonus dividend for that statement period. If the money market account is closed before a Plan dividend is credited, no portion of the accrued dividend will be received. Like regular money market account rates and yields, the Plan rates and yields are variable and may change without notice.

Account Characteristics

Regular Savings Holiday Club Savings
  • Minimum to open: $5
  • Two withdrawals per month (combined total) from any savings under same membership account; $.50 thereafter
  • Monthly Maintenance Fee
    • No monthly fee if
      1. Under age 19 OR
      2. Additional deposit or loan under same tax ID OR
      3. Minimum balance of $300; otherwise $3
  • Dividends paid on daily balance to $0
  • Free mobile banking, online banking an e-statements
  • Minimum to open: $1
  • No dividend with daily balance below $50
  • Withdrawals can be made with our branch or call center staff
  • No monthly fee
  • Annually, balance automatically transferred to designated savings or checking on Nov. 1
  • Free mobile banking, online banking and e-statements
Achievers Club Savings (Under Age 19) IRA Savings
  • Minimum to open: $5
  • Dividends paid on daily balance to $0
  • Six withdrawals per month (combined total) from any savings suffix under membership number; $.50 thereafter
  • No monthly fee
  • No Columbia ATM fee on withdrawals from anywhere
  • Automatically converts to Regular Savings account characteristics on 19th birthday.
  • Free first 150 Columbia Custom checks
  • Checking requires a qualified adult signer when member is under age 18
  • Achievers 12-month certificate: $100 minimum to open; allows deposits of $50 or more anytime
  • Free mobile banking, online banking and e-statements
Columbia offers three IRA programs: Traditional, Roth and Coverdell Education Savings Account

  • Minimum to open: $5
  • Dividends paid on daily balance to $0
  • No monthly fee
  • Contributions are flexible and can be made anytime throughout the year up to your contribution limit
  • Make regular contributions using payroll deduction and/or automatic transfers up to your contribution limit
  • Tax-deferred or tax-free earning may apply

There are eligibility requirements and contribution limits. You must be eligible to make a contribution. Please see a branch representative or your tax advisor regarding these details.

Money Market Account* Income Checking*
  • Minimum to open: $1,500
  • Tiered yields. Dividends paid on daily balance to $0
  • No monthly fee with $1500 minimum balance; otherwise $8 per month
  • Subject to Transaction Limitations on rate and fee schedule.
  • See Bonus Dividend Plan on rate and fee schedule.
  • Free mobile banking, online banking and e-statements
  • Minimum to open: $1
  • Dividends paid on daily balance to $0
  • No monthly fee with direct deposit or $500 minimum balance otherwise, $7 per month
  • Unlimited withdrawals
  • Free mobile banking, online banking, bill pay and e-statements
Free For All Checking* Bonus Checking*
  • Minimum to open: $1
  • No dividends paid
  • No monthly fee
  • No minimum balance
  • Unlimited withdrawals
  • Free mobile banking, online banking, bill pay and e-statements
  • Minimum to open: $1
  • No dividends paid
  • $10 monthly fee
  • No minimum balance
  • Unlimited withdrawals
  • Free Columbia Custom checks and money orders
  • No Columbia ATM fee on checking withdrawals from anywhere
  • Free mobile banking, online banking, bill pay and e-statements
RewardsPLUS Checking** (Age 50+) Community Club Checking
  • Minimum to open: $1
  • No dividends paid
  • No monthly fee
  • No minimum balance
  • Unlimited withdrawals
  • Free Columbia Custom checks and money orders
  • No Columbia ATM fee on checking withdrawals from anywhere
  • 25% discount on safe deposit box rental
  • Free mobile banking, online banking, bill pay and e-statements
A checking for our members' community activities with limited transactions
  • Minimum to open: $1
  • No dividends paid
  • No monthly fee
  • No minimum balance
  • 10 withdrawals per month; $0.25 thereafter
  • ATM and Visa Debit access not available
  • Free mobile banking, online banking, bill pay and e-statements