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%
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*
Business 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 (2015 and newer)
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% - 9.24%
40-483.24% - 9.24%
49-60 3.24% - 10.24%
61-723.69% - 12.24%
73-843.99% - 12.24%
Used Vehicle (2011-2014) 
Repayment Period (months)Fixed APR*
Up to-483.49% - 9.24%
49-603.59% - 10.24%
61-723.69% - 12.24%
73-844.19% - 12.24%
All 2010 and older vehicles add 2.0% to rates listed above

*APR=Annual Percentage Rate. APRs accurate as of and range from 1.99% APR – 12.24% APR. The APR you qualify for is based on repayment period, your vehicle’s value, year and mileage and your credit qualifications including residential status, credit and employment history. Payment example: If you borrow $20,000 for 60 months at 2.99% APR, your monthly payment would be $359.68.

For repayment periods longer than 39 months, there are two discounts available: 1) if your vehicle is classified by the Environmental Protection Agency as Smartway or Smartway Elite it qualifies for our E-Go discounts of .25% APR or .50% APR, respectively, down to our floor 2.99% APR, when you’re also enrolled in e-statements. 2) if you set up automatic transfers from your Columbia CU checking to your vehicle loan with either the assistance of a Columbia CU representative or by setting up recurring transfers in Columbia CU’s Personal Online Banking, your qualifying rate is discounted by .25% APR down to our floor of 2.99% APR with our Relationship Checking discount. Relationship Checking discount is not available for loans; financed at the dealership, lines of credit, credit card, savings/certificate-secured loans, mortgages, home equity loans, and business loans.

If you’re refinancing your vehicle loan from another lender, we will give you the lowest of either a) 1.00% APR off your current lender’s APR or; b) your Columbia CU qualifying APR down to our floor of 1.99% APR for vehicles 2015 and newer with up to a 39 month repayment period on loans of $10,000 or more, or our floor of 2.99% APR for longer repayment periods and/or older vehicles.

Membership required to borrow. Columbia Credit Union may offer other rates in the future.

Boats, RVs and Motor Homes
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Repayment PeriodFixed APR*
724.75% - 16.99%
844.75% - 16.99%
964.75% - 16.99%
1204.75% - 16.99%
1444.75% - 16.99%
1804.75% - 16.99%

*APR=Annual Percentage Rate. Your qualifying APR is based on selected repayment schedule and credit qualifications including residential status, credit and employment history. Qualifying rate may also be based on vehicle value, year and mileage. Refinances only available from another lender. Payment example: If you borrow $30,000 for 120 months at 5.00% APR your monthly payment would be $314.54.

Maximum loan is $50,000. Contact us for other borrowing options for larger loan amounts.

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.

Membership required to borrow. Columbia Credit Union may offer other rates in the future. Rates accurate as of .

ATVs and Snowmobiles
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Repayment PeriodAll Loan Amounts; Fixed APR*
366.74% - 15.99%
486.99% - 15.99%
60 7.24% - 15.99%
727.49% - 15.99%
847.74% - 15.99%

*APR=Annual Percentage Rate. Your qualifying APR is based on selected repayment schedule and credit qualifications including residential status, credit and employment history. Qualifying rate may also be based on vehicle value, year and mileage. Refinances only available from another lender. Maximum loan is $50,000. Contact us for other borrowing options for larger loan amounts. Payment example: If you borrow $10,000 for 60 months at 7.24%% APR your monthly payment would be $398.29.

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.

Membership required to borrow. Columbia Credit Union may offer other rates in the future. Rates accurate as of .

Motorcycles
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Repayment PeriodFixed APR*
364.69% - 17.99%
484.69% - 17.99%
604.69% - 17.99%

*APR=Annual Percentage Rate. Your qualifying APR is based on selected repayment schedule and credit qualifications including residential status, credit and employment history. Qualifying rate may also be based on vehicle value, year and mileage. Refinances only available from another lender. Payment example: If you borrow $8,000 for 60 months at 4.94% APR your monthly payment would be $149.84.

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.

Membership required to borrow. Columbia Credit Union may offer other rates in the future. Rates accurate as of .

Fixed Home Equity

$0 - $49,999.99
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APR* forRepayment Period730+690-729670-689640-669620-639619 & less
70% & Less LTV604.50%4.50%4.75%5.00%5.25%5.75%
 1205.00%5.38%5.50%5.75%NANA
 1805.25%5.50%5.75%6.00%NANA
71-80% LTV604.75%4.75%5.00%5.25%5.50%6.00%
 1205.25%5.63%5.75%6.00%NANA
 1805.50%5.75%6.00%6.25%NANA
Greater than 80% LTV605.25%5.25%5.50%5.75%NANA
 1205.75%6.13%6.25%6.50%NANA
 1806.00%6.25%6.50%6.50%NANA
$50,000.00 - $100,000.00
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APR* forRepayment Period730+690-729670-689640-669620-639619 & less
70% or less LTV604.00%4.00%4.00%4.25%4.50%5.00%
 1204.25%4.38%4.38%5.00%NANA
 1804.50%4.75%5.00%5.25%NANA
71-80% LTV604.00%4.00%4.25%4.50%4.75%NA
 1204.50%4.88%5.00%5.25%NANA
 1804.75%5.00%5.25%5.50%NANA
Greater than 80% LTV604.50%4.50%4.75%5.00%NANA
 1205.00%5.38%5.50%5.75%NANA
 1805.25%5.50%5.75%5.75%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
Non-introductory APR (70% or less CLTV)4.75%4.75%4.75%5.00%NANA
Non-introductory APR (71%-80% or less CLTV) 4.75%4.75%5.00%6.00%NANA
Non-introductory APR (81% or less CLTV)5.25%5.25%5.50%6.00%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 June 30, 2017. 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 combined loan-to-value (CLTV). 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 $10,0008.74% - 9.24%
96 months$10,001 to $15,0008.74% - 9.24%
120 months$15,001 to $25,0008.74% - 9.24%

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 $251.48.

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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Have a custom construction project in mind? Fill out our quick custom rate form above for market competitive custom construction rate. Rates offered for Conventional and Jumbo mortgages.

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.

** Variable Rate Disclosures: The Annual Percentage Rate is subject to change on the first day of each quarter (January, April, July and October) to reflect any change in the Index. The Index is the Prime Rate as published in the “Money Rates” column of the Wall Street Journal on the last day of the month prior to a rate change, rounded up to the nearest 0.25%. The Annual Percentage Rate will be equal to the Index plus a margin of 3.50%. The Annual Percentage Rate will never be more than 18.00% or lower than 10.00%. Any increase will lengthen the time it takes to pay off your loan.

Membership required to borrow. Columbia Credit Union may offer other rates in the future. Rates accurate as of .

All Other Personal Loans
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Repayment PeriodLoan AmountFixed APR*
360 to $4,999.9911.00% - 17.99% APR
48min $5,000.0011.00% - 17.99% APR
60min $7,500.0010.50% - 17.99% APR

*APR=Annual Percentage Rate. All Other Personal Loans are not variable. Your qualifying APR is based on selected repayment schedule and credit qualifications including residential status, credit and employment history. Payment example: If you borrow $10,000 for 60 months at 10.50% APR your monthly payment would be $215.75.

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.

Membership required to borrow. Columbia Credit Union may offer other rates in the future. Rates accurate as of .

Visa Credit Cards

Visa Credit Cards

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