Rates

Savings/Checking

Savings/Checking
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AccountRateAPY*
Regular Savings 0.03% 0.03%
Achievers Club (under age 19) 0.03% 0.03%
Holiday Club 0.03% 0.03%
Income Checking 0.03% 0.03%
Bonus Checking This account does not pay dividends  
Free For All Checking This account does not pay dividends  
RewardsPLUS Checking (Age 50+) This account does not pay dividends  
Community Club This account does not pay dividends  

* APY = Annual Percentage Yield

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Columbia Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

Money Market

Money Market
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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.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Columbia Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

IRA

IRA Certificates
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Dividend payout will be based on daily balance

TermMin. to Open & Earn DividendsUp to $9,999.99$10,000.00 - $49,999.99$50,000.00 - $99,999.99$100,000.00 +
RateAPY*RateAPY*RateAPY*RateAPY*
3 Month$500.00 0.03%0.03%0.08%0.08%0.13%0.13%0.18%0.18%
6 Month$500.00 0.06%0.06%0.11%0.11%0.16%0.16%0.21%0.21%
12 Month$500.00 0.12%0.12%0.17%0.17%0.22%0.22%0.27%0.27%
18 Month$500.00 0.17%0.17%0.22%0.22%0.27%0.27%0.32%0.32%
24 Month$500.00 0.25%0.25%0.30%0.30%0.35%0.35%0.40%0.40%
30 Month$500.00 0.25%0.25%0.30%0.30%0.35%0.35%0.40%0.40%
3 Year$500.00 0.60%0.60%0.65%0.65%0.70% 0.70%0.75%0.75%
4 Year$500.00 0.65%0.65%0.70%0.70% 0.75%0.75%0.80%0.80%
5 Year$500.00 0.95%0.95%1.00%1.00%1.05%1.05%1.10%1.10%
Achievers Club ** 12 Month$100.00 0.12%0.12%0.17%0.17%0.22%0.22%0.27%0.27%

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Columbia Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

IRA Savings
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Dividend payout will be based on daily balance

AccountUp to $0 - $4,999.99$5,000.00 - $24,999.99$25,000.00 - $49,999.99$50,000.00 +
RateAPY*RateAPY*RateAPY*RateAPY*
IRA Savings (SI)0.03%0.03%0.10%0.10%0.15%0.15%0.20%0.20%

* APY = Annual Percentage Yield

** Upon reaching the age of 19, renewal will no longer be at Achievers Club terms.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Columbia Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.


Personal Certificate

Personal Certificates
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Dividend payout will be based on daily balance

Term Min. to Open & Earn DividendsUp to $9,999.99$10,000.00 - $49,999.99$50,000.00 - $99,999.99$100,000.00 +
  Rate APY*Rate APY*Rate APY*Rate APY*
3 Month$500.00 0.03%0.03%0.08%0.08%0.13%0.13%0.18%0.18%
6 Month$500.00 0.06%0.06%0.11%0.11%0.16%0.16%0.21%0.21%
12 Month$500.00 0.12%0.12%0.17%0.17%0.22%0.22%0.27%0.27%
18 Month$500.00 0.17%0.17%0.22%0.22%0.27%0.27%0.32%0.32%
24 Month$500.00 0.25%0.25%0.30%0.30%0.35%0.35%0.40%0.40%
30 Month$500.00 0.25%0.25%0.30%0.30%0.35%0.35%0.40%0.40%
3 Year$500.00 0.60%0.60%0.65%0.65%0.70%0.70%0.75%0.75%
4 Year$500.00 0.65%0.65%0.70%0.70%0.75%0.75%0.80%0.80%
5 Year$500.00 0.95%0.95%1.00%1.00%1.05%1.05%1.10%1.10%
Achievers Club† 12 Month$100.00 0.12%0.12%0.17%0.17%0.22%0.22%0.27%0.27%

* APY = Annual Percentage Yield

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Columbia Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.



Business Deposits

Savings
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AccountRateAPY*
Regular Savings0.03%0.03%
Checking
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Account Rate APY *
Business Plus Checking0.03%0.03%
FreeB CheckingThis account does not pay dividends 
High Yield Checking
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Average Daily Balance Rate APY*
$0 - $24,999.990.00%0.00%
$25,000.00 - $49,999.990.10%0.10%
$50,000.00 - $99,999.990.15%0.15%
$100,000.00 - $249,999.99 0.18%0.18%
$250,000.00+0.20%0.20%
Money Market Account
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Average Daily Balance Rate APY*
$0 - 9,999.990.03%0.03%
$10,000.00 - $24,999.990.06%0.06%
$25,000.00 - $49,999.990.10%0.10%
$50,000.00 - $99,999.990.15%0.15%
$100,000.00 - $499,999.990.18%0.18%
$500,000.00 +0.20%0.20%

* APY = Annual Percentage Yield

Business Fee Schedule



Business Certificate

Business Certificate
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Dividend payout will be based on daily balance

TermMin. to Open & Earn DividendsUp to $0 - $9,999.99$10,000.00 - $49,999.99$50,000.00 - $99,999.99$100,000.00 - $249,999.99$250,000.00
  RateAPY*RateAPY*RateAPY*RateAPY*RateAPY*
3 Month$500.00 0.03%0.03%0.08%0.08%0.13%0.13%0.18%0.18%0.23%0.23%
6 Month$500.00 0.06%0.06%0.11%0.11%0.16%0.16%0.21%0.21%0.26%0.26%
12 Month$500.00 0.12%0.12%0.17%0.17%0.22%0.22%0.27%0.27%0.32%0.32%
18 Month$500.00 0.17%0.17%0.22%0.22%0.27%0.27%0.32%0.32%0.37%0.37%
24 Month$500.00 0.25%0.25%0.30%0.30%0.35%0.35%0.40%0.40%0.45%0.45%
30 Month$500.00 0.25%0.25%0.30%0.30%0.35%0.35%0.40%0.40%0.45%0.45%
3 Year$500.00 0.60% 0.60% 0.65%0.65%0.70%0.70%0.75%0.75%0.80%0.80%
4 Year$500.00 0.65%0.65%0.70%0.70%0.75%0.75%0.80%0.80%0.85%0.85%
5 Year$500.00 0.95%0.95%1.00%1.00%1.05%1.05%1.10%1.10%1.14%1.15%

* APY = Annual Percentage Yield


Vehicle Loans

Vehicle Loans
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New Vehicle (2017-2014)
Repayment Period (months)Fixed APR*
Up to 39 months min loan amount $10,0001.99%
Up to 39 months loan amount under $10,0003.24% - 13.24%
40-483.24% - 13.24%
49-60 3.24% - 14.24%
61-723.24% - 16.24%
73-843.24% - 16.24%
Used Vehicle (2013-2010) 
Repayment Period (months)Fixed APR*
Up to-483.24% - 13.24%
49-603.24% - 14.24%
61-723.24% - 16.24%
73-843.24% - 18.24%
All 2009 and older vehicles add 2.0% to rates listed above

*APR=Annual Percentage Rate. Your qualifying rate depends on credit qualifications including value of vehicle, term of loan, year of vehicle, residential status, credit and employment history. Rates as low as 1.99% APR. Payment example: If you borrow $20,000 for 39 months at 1.99% APR, your monthly payment would be $530.42.

Checking Relationship Plan: Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto pay can be set up through personal online banking’s scheduled transfers or by a Columbia representative; excludes payments with online bill pay. Cannot be combined with special 1.99% APR new vehicle financing.

E-Go Green Auto: Provides a .25% APR or .50% APR discount off your qualifying rate for vehicles designated by the Environmental Protection Agency as SmartWay or SmartWay Elite: E-Go discounts require free paperless, e-statements. Cannot be combined with special 1.99% APR new vehicle financing.

All discounts subject to a minimum 2.99% APR. Membership required to borrow. Columbia Credit Union may offer other rates in the future.

Boats, RV's and Motor Homes
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Repayment PeriodFixed Rate
72Rates Between 3.00% APR* and 14.99% APR*
96Rates Between 3.00% APR* and 14.99% APR*
120Rates Between 3.00% APR* and 14.99% APR*
144Rates Between 3.00% APR* and 14.99% APR*
180Rates Between 3.00% APR* and 14.99% APR*

Your APR depends on credit qualifications including value and year of vehicle, term of loan, residential status, credit and employment history. Rates accurate as of the date above and Columbia CU may offer other rates in the future. Maximum loan is $50,000. Contact us for other borrowing options for larger loan amounts. Payment example: If you borrow $30,000 for 120 months with an APR of 3%, your monthly payment would be $290.04

Discounts

Checking Relationship: Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto pay can be set up through online banking or by a Columbia representative.

Membership required to borrow.

ATVs and Snowmobiles
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Repayment PeriodAll Loan Amounts; Fixed Rate
36Rates Between 4.74% APR* and 15.99% APR*
48Rates Between 4.99% APR* and 15.99% APR*
60 Rates Between 5.24% APR* and 15.99% APR*
72Rates Between 5.49% APR* and 15.99% APR*
84Rates Between 5.74% APR* and 15.99% APR*

Your APR depends on credit qualifications including value and year of vehicle, term of loan, residential status, credit and employment history. Rates accurate as of the date above and Columbia CU may offer other rates in the future. Payment example: If you borrow $20,000 for 60 months with an APR of 7.24% your monthly payment would be $398.29.

Discounts

Checking Relationship: Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto pay can be set up through online banking or by a Columbia representative.

Membership required to borrow.

Motorcycles
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Repayment PeriodAnnual Percentage Rate (APR)
362.99% APR - 15.99% APR
482.99% APR - 15.99% APR
602.99% APR - 15.99% APR

Your APR depends on credit qualifications including value and year of vehicle, selected repayment period, residential status, credit and employment history. Rates accurate as of the date listed above and Columbia CU may offer other rates in the future. Payment example: If you borrow $8,000 for 60 months with an APR of 2.99%, your monthly payment would be $143.89.

Discounts

Checking Relationship: Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto-pay transfers are easy to set up in Personal Online Banking or a Columbia CU representative can assist.

Membership required to borrow.

Fixed Home Equity

$0 - $49,999.99
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Repayment Period730+690-729670-689640-669620-639619 & less
70% & Less LTV604.00%4.00%4.00%4.00%4.25%4.75%
 1204.00%4.38%4.50%4.75%NANA
 1804.25%4.50%4.75%5.00%NANA
71-80% LTV604.00%4.00%4.00%4.25%NANA
 1204.25%4.63%4.75%5.00%NANA
 1804.50%4.75%5.00%5.25%NANA
Greater than 80% LTV604.25%4.25%4.50%4.75%NANA
 1204.75%5.13%5.25%5.50%NANA
 1805.00%5.25%5.50%5.50%NANA
$50,000.00 - $100,000.00
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Repayment Period730+690-729670-689640-669620-639619 & less
70% or less LTV604.00%4.00%4.00%4.00%4.00%4.00%
 1204.00%4.00%4.00%4.00%NANA
 1804.00%4.00%4.00%4.25%NANA
71-80% LTV604.00%4.00%4.00%4.00%4.00%NA
 1204.00%4.00%4.00%4.25%NANA
 1804.00%4.00%4.25%4.50%NANA
Greater than 80% LTV604.00%4.00%4.00%4.00%NANA
 1204.00%4.38%4.50%4.75%NANA
 1804.25%4.50%4.75%4.75%NANA

APR = Annual Percentage Rate.

Equity Loan APR is fixed for the selected term. APR is determined by the amount requested, term selected, credit risk/Credit Score and LTV.

Membership required to borrow. All lines and loans subject to application and credit approval. Equal Housing Opportunity.

HELOC

HELOC
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Credit Score730+729-690689-670669-640639-620619 & less
6-Month Introductory APR1.99%1.99%1.99%1.99%NANA
70% or less LTV APRs4.25%4.25%4.25%4.50%NANA
71-80% LTV APRs 4.25%4.25%4.50%5.50%NANA
Greater than 80% LTV4.75%4.75%5%5.50%NANA

APR=Annual Percentage Rate. Introductory APR is fixed for the first six (6) months of your newly opened Home Equity Line of Credit (HELOC). Introductory APR available for HELOCs applied for and originated by September 30, 2016. Existing Columbia CU Home Equity Lines of Credit (HELOCs) are not eligible for this promotion. Introductory APR is available only on primary residences. Non-introductory APRs are variable and are based on the Wall Street Journal Prime Rate (as quoted on the 10th business day before the end of the preceding quarter) plus a margin ranging from 0.75%-2.00% depending on your creditworthiness and loan-to-value (LTV). The minimum lifetime APR is 4.00% and the maximum lifetime APR is 15.00%. No annual fee the first year, thereafter $50. Typical closing costs range from $90-$1,050 and $400 (other than appraisal, if required) is waived. Good news! If your line is $100k or less and you’re not paying off an existing lien (like a 2nd or HELOC elsewhere), your new Columbia CU HELOC will likely have no-closing costs! Columbia CU HELOCs are subject to application and credit approval. Please consult your tax advisor regarding tax deductibility of interest and charges. Homeowner’s insurance is required. Introductory APR offer is subject to change and may end without notice.

Home Improvement

Renew Home Improvement Loan Rates
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Repayment Period Loan AmountAnnual Percentage Rate (APR*)
60 monthsup to $10,0005.74% - 6.24%
96 months$10,001 to $15,0005.74% - 6.24%
120 months$15,001 to $25,0005.74% - 6.24%

Renew Home Improvement Loan * APR = Annual Percentage Rate. Your APR depends on amount borrowed and credit qualifications including residential status, credit and employment history and ability to repay. Renew loan proceeds must be used exclusively for home improvements on your primary residence. Improvements planned on second and/or vacation homes, investment properties, mixed-use commercial/residential, mobile and manufactured homes, condominiums and timeshares are not eligible for Renew Home Improvement Loan purposes. Lowest APRs in each range include Checking Relationship Plan (Plan) discount. Plan provides a qualifying rate discount of .25% APR for automatic loan payments from Columbia checking. Auto pay can be set up via online banking or through a Columbia representative; excludes payments with online bill pay. Plan excludes lines of credit, credit card, share-secured loans, 1st mortgages, home equity, and business loans. Payment example: If you borrow $20,000 for 120 months at 8.74%, your monthly payment will be $250.55

Equity Builder Loan Rates
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730+690-729
70% or less LTV5.25%5.50%
71-80% LTV5.50%5.75%
Greater than 80% LTV6%6.25%

Equity Builder Loan *APR = Annual Percentage Rate. Your qualifying rate is determined by the amount requested, term selected, credit risk/Credit Score and LTV. Equity Builder Loans must be used for home improvement. Assume you borrow $50,000 with a $500 loan fee. The calculated APR on a 10 year loan with an interest rate of 7.99% would be 8.46% APR with monthly payments of $303.19. **Consult your tax advisor for your deductibility status.

Membership required to borrow.

Mortgage

Today's Rates
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RetireIt!
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Repayment PeriodLTVFixed APR*
Up to 5 yearsUp to 75%3.24% - 3.99%
10 yearsUp to 75%3.74% - 4.24%
12 yearsUp to 75%3.99% - 4.74%

*Rates as low as 3.24. APR = Annual Percentage Rate. A $50,000 loan at 3.24% APR would have 60 monthly principal and interest payments of $903.27. Payment does not include taxes and insurance. If applicable, the actual payment obligation will be greater. Other low RetireIt! Mortgage APRs with terms of up to 12 years are available through our RetireIt! Mortgage refinance program. Maximum loan amount is $175,000. Maximum loan-to-value of 75%. Your APR depends on the mortgage term selected and your credit qualifications. Available for refinances only. $500 in closing costs for Washington properties. $1000 closing costs for Oregon properties. Membership required to borrow. The credit union may offer other loan rates and terms in the future. Membership required to borrow.

Custom Construction
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Loan Type LTV Note Rate* Loan Fee APR
Custom Construction 5/1 ARM (Variable)up to 90%4.00%1.50%4.23%
Custom Construction Conforming* 30 Yr with 15 Yr Balloon (Fixed Rate Loans)up to 90%4.38%1.50%4.61%

*NOTE: For Jumbo Custom Construction Loans (>$417,000), please add .500% to rate. For loan amounts above $600,000 call for pricing. Other adjustments may apply. Please consult with a CCU Loan Officer.

Membership required to borrow.

Lot/Land
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Loan TypeTermLTVNote Rate*
Lot Loan25 year amortization / 1/3/5 year Call - Fixed Rate75%Rates starting at 6.75% - 7.75%

Membership required to borrow.

Personal

Share/Certificate Secured Loans
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Share or Certificate Rate + 4.0% APR* rounded to the next .25% APR*
Personal Line of Credit
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10.00% APR* (variable)
18.00% APR* (fixed)

* APR = Annual Percentage Rate. The credit union offers various fixed and variable rates for loans. The periodic rate and corresponding APR (for fixed rate loans) and the margin that is added to the index (for variable rate loans) may depend on your credit profile, the loan type and other factors. There are no fees to apply for any personal Columbia loan.

**This line of credit rate is variable, based on the Wall Street Journal Western Edition prime rate as of the last day of November, February, May and August, plus a margin of 3.25%. Rates will adjust quarterly on the first calendar day of January, April, July and October and will not be less than 10% nor more than the maximum rate permitted by law.

Membership required to borrow.

All Other Personal Loans
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Repayment PeriodLoan AmountFixed Rate
360 to $4,999.99Rates between 8.00% and 14.99% APR*
48min $5,000.00Rates between 8.00% and 14.99% APR*
60min $7,500.00Rates between 7.5% and 14.99% APR*

* APR = Annual Percentage Rate. The credit union offers various fixed and variable rates for loans. The periodic rate and corresponding APR (for fixed rate loans) and the margin that is added to the index (for variable rate loans) may depend on your credit profile, the loan type and other factors. There are no fees to apply for any personal Columbia loan. Rates shown include 3.00% APR rate discount in effect until September 30, 2016.

Lowest APRs in each range include Checking Relationship Plan discount. Plan provides a qualifying rate discount of .25% APR for automatic loan payments from Columbia checking. Auto pay can be set up via online banking or through a Columbia representative; excludes payments with online bill pay. Plan excludes lines of credit, credit card, share-secured loans, 1st mortgages, home equity, and business loans.

All Other Personal Loan rates are not variable, may differ by applicant and are based on amount borrowed and credit qualifications including residential status, credit and employment history and ability to repay. Payment example: If you borrow $3,000.00 for 36 months at an APR of 12.00% your monthly payment would be $99.64

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