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Rate Schedule

Savings and Checking Rates

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Account Div Rate APY*
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

Rates accurate as of 03/10/14

Federally insured by NCUA
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 Fee Schedule

Truth-in-Savings Disclosure

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Account
Average Daily Balance
$0 - $4,999
Average Daily Balance
$5,000 - $9,999
Average Daily Balance
$10,000 - $24,999
Average Daily Balance
$25,000 - $49,999
Average Daily Balance
$50,000 - $99,999
Average Daily Balance
$100,000 +
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
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‡
0.03%
0.03%
0.03%
0.03%
0.07%
0.07%
0.13%
0.13%
0.19%
0.19%
0.23%
0.23%

Rates accurate as of 03/10/14

 *APY = Annual Percentage Yield
† When Bonus Dividend Plan is not enrolled, or when requirements are not met.
‡ When enrolled in the Bonus Dividend Plan and all requirements are met.

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.

Federally insured by NCUA
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 Fee Schedule

Truth-in-Savings Disclosure

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Regular Savings* Holiday Club Savings*
  • Minimum to open: $5
  • No dividend with average daily balance below $100
  • Two withdrawals per month (combined total) from any savings under same account; $.50 thereafter
  • No monthly fee if:
    1. under age 19 or
    2. addt'l deposit or loan under same account or
    3. minimum balance of $300; otherwise, $3
  • Free mobile banking, online banking and e-statements
  • Minimum to open: $1
  • No dividend with average 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 average 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 average 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 average 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 average 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

* Proprietary, Non-Columbia ATM or Point-of-Sale transaction fees may be imposed.
** Proprietary or Point-of-Sale transaction fees may be imposed.

 IRA Rates

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Term Min. to Open & Earn Dividends
Average Daily Balance
Up to $9,999
Average Daily Balance
$10,000 - $49,999
Average Daily Balance
$50,000 - $99,999
Average Daily Balance
$100,000 +
 
Rate
APY*
Rate
APY*
Rate
APY*
Rate
APY*
3 Month $ 500
0.03%
0.03%
0.08%
0.08%
0.13%
0.13%
0.18%
0.18%
6 Month $ 500
0.06%
0.06%
0.11%
0.11%
0.16%
0.16%
0.21%
0.21%
12 Month
$ 500
0.12%
0.12%
0.17%
0.17%
0.22%
0.22%
0.27%
0.27%
18 Month
$ 500
0.17%
0.17%
0.22%
0.22%
0.27%
0.27%
0.32%
0.32%
24 Month
$ 500
0.25%
0.25%
0.30%
0.30%
0.35%
0.35%
0.40%
0.40%
30 Month
$ 500
0.25%
0.25%
0.30%
0.30%
0.35%
0.35%
0.40%
0.40%
3 Year
$ 500
0.60%
0.60%
0.65%
0.65%
0.70%
0.70%
0.75%
0.75%
4 Year
$ 500
0.65%
0.65%
0.70%
0.70%
0.75%
0.75%
0.80%
0.80%
5 Year
$ 500
0.95%
0.95%
1.00%
1.00%
1.05%
1.05%
1.10%
1.10%
Achievers Club **
12 Month
$ 100
0.12%
0.12%
0.17%
0.17%
0.22%
0.22%
0.27%
0.27%
* APY = Annual Percentage Yield
** Upon reaching the age of 19, renewal will no longer be at Achievers Club terms.

Rates accurate as of 03/10/14

Federally insured by NCUA
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 Fee Schedule

Truth-in-Savings Disclosure

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Account
Average Daily Balance
$0 - $4,999
Average Daily Balance
$5,000 - $24,999
Average Daily Balance
$25,000 - $49,999
Average Daily Balance
$50,000 +
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
IRA Savings (SI)
0.03%
0.03%
0.10%
0.10%
0.15%
0.15%
0.20%
0.20%

Rates accurate as of 03/10/14

*APY = Annual Percentage Yield

Federally insured by NCUA
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 Fee Schedule

Truth-in-Savings Disclosure

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IRA Savings

Columbia offers three IRA programs: Traditional, Roth and Coverdell Education Savings Account

  • Minimum to open: $5
  • Dividends paid on average 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.

 

Certificate Rates

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Term Min. to Open & Earn Dividends Average Daily Balance Up to $9,999 Average Daily Balance $10,000 - $49,999 Average Daily Balance $50,000 - $99,999 Average Daily Balance $100,000 +
 
Rate APY*
Rate APY*
Rate APY*
Rate APY*
3 Month $ 500
0.03% 0.03%
0.08% 0.08%
0.13% 0.13%
0.18% 0.18%
6 Month $ 500
0.06% 0.06%
0.11% 0.11%
0.16% 0.16%
0.21% 0.21%
12 Month $ 500
0.12% 0.12%
0.17% 0.17%
0.22% 0.22%
0.27% 0.27%
18 Month $ 500
0.17% 0.17%
0.22% 0.22%
0.27% 0.27%
0.32% 0.32%
24 Month $ 500
0.25% 0.25%
0.30% 0.30%
0.35% 0.35%
0.40% 0.40%
30 Month $ 500
0.25% 0.25%
0.30% 0.30%
0.35% 0.35%
0.40% 0.40%
3 Year $ 500
0.60% 0.60%
0.65% 0.65%
0.70% 0.70%
0.75% 0.75%
4 Year $ 500
0.65% 0.65%
0.70% 0.70%
0.75% 0.75%
0.80% 0.80%
5 Year $ 500
0.95% 0.95%
1.00% 1.00%
1.05% 1.05%
1.10% 1.10%
Achievers Club† 12 Month $ 100
0.12% 0.12%
0.17% 0.17%
0.22% 0.22%
0.27% 0.27%

*APY =Annual Percentage Yield

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

Rates accurate as of 03/10/14

Federally insured by NCUA
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 Fee Schedule

Truth-in-Savings Disclosure

 

Auto Loan Rates

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New Vehicle (2015-2011) Vehicle Model & Mileage May Limit Loan Term
Repayment Period Fixed Rate
24-48 Rates between 2.99% and 13.99% APR*
49-60 Rates between 2.99% and 14.99% APR*
61-72 Rates between 3.49% APR* and 16.99% APR*
73-84 Rates between 4.24% APR* and 16.99% APR*
Used Vehicle (2010-2008)
Repayment Period Fixed Rate
24-48 Rates between 2.99% APR* and 13.99% APR*
49-60 Rates between 3.49% APR* and 14.99% APR*
61-72 Rates between 3.49% APR* and 16.99% APR*
All Other Secured Loans (2007 and Older Autos, Misc Loans with Collateral)
Repayment Period Fixed Rate
24-36 Rates between 4.24% APR* and 15.99% APR*
37-48 Rates between 4.99% APR* and 16.99% APR*
over 48 Rates between 5.69% APR* and 16.99% APR*

Rates accurate as of 03/10/14

*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. Discounts described below reduce your qualifying rate to as low as 2.99% APR. Payment example: If you borrow $20,000 for 60 months with an APR of 3.24% your monthly payment would be $361.51.

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; excludes payments with online bill pay.

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.

All discounts subject to a minimum 2.99% APR.

Membership required to borrow. Rates quoted as of the effective date indicated above. Columbia Credit Union may offer other rates in the future.

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Repayment Period Loan Amount Fixed Rate
72 $50,000 max Rates Between 5.74% APR* and 16.99% APR*
96 Min $15K Max $50K Rates Between 5.84% APR* and 16.99% APR*
120 Min $25K Max $50K Rates Between 5.94% APR* and 16.99% APR*
144 Min $30K Max $50K Rates Between 6.04% APR* and 16.99% APR*
180 Min $40K Max $50K Rates Between 6.24% APR* and 16.99% APR*

Rates accurate as of 03/10/14

*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. Discounts described below reduce your qualifying rate to as low as 2.99% APR. Payment example: If you borrow $20,000 for 60 months with an APR of 3.24% your monthly payment would be $361.51.

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; excludes payments with online bill pay.

Membership required to borrow. Rates quoted as of the effective date indicated above. Columbia Credit Union may offer other rates in the future.

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Repayment Period All Loan Amounts; Fixed Rate
36 Rates Between 6.74% APR* and 17.99% APR*
48 Rates Between 6.99% APR* and 17.99% APR*
60 Rates Between 7.24% APR* and 17.99% APR*
72 Rates Between 7.49% APR* and 17.99% APR*
84 Rates Between 7.74% APR* and 17.99% APR*

Rates accurate as of 03/10/14

*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. Discounts described below reduce your qualifying rate to as low as 2.99% APR. Payment example: If you borrow $20,000 for 60 months with an APR of 3.24% your monthly payment would be $361.51.

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; excludes payments with online bill pay.

Membership required to borrow. Rates quoted as of the effective date indicated above. Columbia Credit Union may offer other rates in the future.

 

Home Equity Line of Credit

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                  Credit Score
  760+ 730-759 729-690 689-670 669-640
65% & Less LTV 4.50 5.00 5.25 6.25 7.25
65.01-75% LTV 5.25 5.50 6.25 7.25 10.25
75.01-80% LTV 5.50 5.75 6.75 8.25 12.25
80.01-89% LTV 6.25 7.25 8.25 10.25 NA
90%+ LTV 7.25 8.25 9.25 12.25 NA

Rates accurate as of 03/10/14

APR = Annual Percentage Rate.

Home Equity Line of Credit (HELOC) APR is variable, may change quarterly, and is based on an Index.

  • Index is PRIME as published in the western edition of the Wall Street Journal 10 calendar days before the preceding quarter-end.
  • APR is determined by adjustments to our Index for approved limit, credit risk/Credit Score and loan-to-value (LTV).
  • Subject to maximum lifetime APR of 15% and minimum lifetime APR of 4%.

The $50 annual fee is waived the first year. There is a $400 Early Termination fee if the HELOC is paid off and closed prior to 3 years from origination. Closing costs on equity loans and HELOCs vary but typically range from $90 to $1050, of which up to $400 (excluding appraisal fees) is waived by Columbia CU.

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

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                 Credit Score
  760+ 730-759 729-690 689-670 669-640
65% & Less LTV 4.00 4.00 4.00 5.00 6.00
65.01-75% LTV 4.00 4.25 5.00 6.00 9.00
75.01-80% LTV 4.25 4.50 5.50 7.00 11.00
80.01-89% LTV 5.00 6.00 7.00 9.00 NA
90%+ LTV 6.00 7.00 8.00 11.00 NA

Rates accurate as of 03/10/14

APR = Annual Percentage Rate.

Home Equity Line of Credit (HELOC) APR is variable, may change quarterly, and is based on an Index.

  • Index is PRIME as published in the western edition of the Wall Street Journal 10 calendar days before the preceding quarter-end.
  • APR is determined by adjustments to our Index for approved limit, credit risk/Credit Score and loan-to-value (LTV).
  • Subject to maximum lifetime APR of 15% and minimum lifetime APR of 4%.

The $50 annual fee is waived the first year. There is a $400 Early Termination fee if the HELOC is paid off and closed prior to 3 years from origination. Closing costs on equity loans and HELOCs vary but typically range from $90 to $1050, of which up to $400 (excluding appraisal fees) is waived by Columbia CU.

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

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                 Credit Score
  760+ 730-759 729-690 689-670 669-640
65% & less LTV 4.00 4.00 4.00 4.50 5.50
65.01-75% LTV 4.00 4.00 4.50 5.50 8.50
75.01-80% LTV 4.00 4.00 5.00 6.50 10.50
80.01-89% LTV 4.50 5.50 6.50 8.50 NA
90%+ LTV 5.50 6.50 7.50 10.50 NA

Rates accurate as of 03/10/14

APR = Annual Percentage Rate.

Home Equity Line of Credit (HELOC) APR is variable, may change quarterly, and is based on an Index.

  • Index is PRIME as published in the western edition of the Wall Street Journal 10 calendar days before the preceding quarter-end.
  • APR is determined by adjustments to our Index for approved limit, credit risk/Credit Score and loan-to-value (LTV).
  • Subject to maximum lifetime APR of 15% and minimum lifetime APR of 4%.

The $50 annual fee is waived the first year. There is a $400 Early Termination fee if the HELOC is paid off and closed prior to 3 years from origination. Closing costs on equity loans and HELOCs vary but typically range from $90 to $1050, of which up to $400 (excluding appraisal fees) is waived by Columbia CU.

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

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                 Credit Score
  760+ 730-759 729-690 689-670 669-640
65% & Less LTV 4.00 4.00 4.00 4.25 5.25
65.01-75% LTV 4.00 4.00 4.25 5.25 8.25
75.01-80% LTV 4.00 4.00 4.75 6.25 10.25
80.01-89% LTV 4.25 5.25 6.25 8.25 NA
90%+ LTV 5.25 6.25 7.25 10.25 NA

Rates accurate as of 03/10/14

APR = Annual Percentage Rate.

Home Equity Line of Credit (HELOC) APR is variable, may change quarterly, and is based on an Index.

  • Index is PRIME as published in the western edition of the Wall Street Journal 10 calendar days before the preceding quarter-end.
  • APR is determined by adjustments to our Index for approved limit, credit risk/Credit Score and loan-to-value (LTV).
  • Subject to maximum lifetime APR of 15% and minimum lifetime APR of 4%.

The $50 annual fee is waived the first year. There is a $400 Early Termination fee if the HELOC is paid off and closed prior to 3 years from origination. Closing costs on equity loans and HELOCs vary but typically range from $90 to $1050, of which up to $400 (excluding appraisal fees) is waived by Columbia CU.

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

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                 Credit Score
  760+ 730-759 729-690 689-670 669-640
65% & Less LTV 4.00 4.00 4.00 4.00 5.00
65.01-75% LTV 4.00 4.00 4.00 5.00 8.00
75.01-80% LTV 4.00 4.00 4.50 6.00 10.00
80.01-89% LTV 4.00 5.00 6.00 8.00 NA
90%+ LTV 5.00 6.00 7.00 10.00 NA

Rates accurate as of 03/10/14

APR = Annual Percentage Rate.

Home Equity Line of Credit (HELOC) APR is variable, may change quarterly, and is based on an Index.

  • Index is PRIME as published in the western edition of the Wall Street Journal 10 calendar days before the preceding quarter-end.
  • APR is determined by adjustments to our Index for approved limit, credit risk/Credit Score and loan-to-value (LTV).
  • Subject to maximum lifetime APR of 15% and minimum lifetime APR of 4%.

The $50 annual fee is waived the first year. There is a $400 Early Termination fee if the HELOC is paid off and closed prior to 3 years from origination. Closing costs on equity loans and HELOCs vary but typically range from $90 to $1050, of which up to $400 (excluding appraisal fees) is waived by Columbia CU.

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

 

Fixed Home Equity Loan

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                         Credit Score
  Repayment Period
 760+ 730-759 729-690 689-670 669-640 639 & less
65% & Less LTV 60 5.99 5.99 6.50 6.99 8.99 9.90
  120 7.79 7.79 8.30 8.70 10.79 11.70
  180 8.09 8.09 8.60 11.00 NA NA
65.01-75% LTV 60 5.99 5.99 6.90 7.90 9.90 10.90
  120 8.73 8.73 8.70 9.70 11.70 12.70
  180 9.09 9.09 9.25 10.00 NA NA
75.01-80% LTV 60 7.75 7.95 8.20 9.70 11.00 13.00
  120 9.49 9.69 9.94 11.44 14.00 15.00
  180 10.05 10.25 10.50 13.00 15.00 17.00
80.01-85% LTV 60 8.00 8.50 8.70 10.70 11.50 13.50
  120 9.80 10.30 10.50 12.50 13.30 17.00
  180 10.35 10.85 11.05 13.05 13.85 17.00
85.01-90% LTV 60 8.30 8.70 8.90 10.90 12.00 NA
  120 10.10 10.50 10.70 12.70 13.80 NA
  180 10.40 10.80 11.00 13.00 14.10 NA
90%+ LTV 60 9.30 9.70 9.90 11.90 NA NA
  120 11.10 11.50 11.70 13.70 NA NA
  180 11.40 11.80 12.00 14.00 NA NA

Rates accurate as of 03/10/14

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.

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                         Credit Score
  Repayment Period
 760+ 730-759 729-690 689-670 669-640 639 & less
65% & less LTV 60 4.74 4.74 5.25 5.74 7.74 8.65
  120 6.54 6.54 7.05 7.45 9.54 10.45
  180 6.84 6.84 7.35 9.75 NA NA
65.01-75% LTV 60 4.74 4.74 5.65 6.65 8.65 9.65
  120 7.48 7.48 7.45 8.45 10.45 11.45
  180 7.84 7.84 8.00 8.75 NA NA
75.01-80% LTV 60 6.50 6.70 6.95 8.45 9.75 11.75
  120 8.24 8.44 8.69 10.19 12.75 13.75
  180 8.80 9.00 9.25 11.75 13.75 15.75
80.01-85% LTV 60 6.75 7.25 7.45 9.45 10.25 12.25
  120 8.55 9.05 9.25 11.25 12.05 15.75
  180 9.10 9.60 9.80 11.80 12.60 15.75
85.01-90% LTV 60 7.05 7.45 7.65 9.65 10.75 NA
  120 8.85 9.25 9.45 11.45 12.55 NA
  180 9.15 9.55 9.75 11.75 12.85 NA
90%+ LTV 60 8.05 8.45 8.65 10.65 NA NA
  120 9.85 10.25 10.45 12.45 NA NA
  180 10.15 10.55 10.75 12.75 NA NA

Rates accurate as of 03/10/14

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.

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                          Credit Score
  Repayment Period
 760+ 730-759 729-690 689-670 669-640 639 & less
65% & less LTV 60 4.24 4.24 4.75 5.24 7.24 8.15
  120 6.04 6.04 6.55 6.95 9.04 9.95
  180 6.34 6.34 6.85 9.25 NA NA
65.01-75% LTV 60 4.24 4.24 5.15 6.15 8.15 9.15
  120 6.98 6.98 6.95 7.95 9.95 10.95
  180 7.34 7.34 7.50 8.25 NA NA
75.01-80% LTV 60 6.00 6.20 6.45 7.95 9.25 11.25
  120 7.74 7.94 8.19 9.69 12.25 13.25
  180 8.30 8.50 8.75 11.25 13.25 15.25
80.01-85% LTV 60 6.25 6.75 6.95 8.95 9.75 11.75
  120 8.05 8.55 8.75 10.75 11.55 15.25
  180 8.60 9.10 9.30 11.30 12.10 15.25
85.01-90% LTV 60 6.55 6.95 7.15 9.15 10.25 NA
  120 8.35 8.75 8.95 10.95 12.05 NA
  180 8.65 9.05 9.25 11.25 12.35 NA
90%+ LTV 60 7.55 7.95 8.15 10.15 NA NA
  120 9.35 9.75 9.95 11.95 NA NA
  180 9.65 10.05 10.25 12.25 NA NA

Rates accurate as of 03/10/14

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.

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                          Credit Score
  Repayment Period
 760+ 730-759 729-690 689-670 669-640 639 & less
65% & less LTV 60 3.99 3.99 4.50 4.99 6.99 7.90
  120 5.79 5.79 6.30 6.70 8.79 9.70
  180 6.09 6.09 6.60 9.00 NA NA
65.01-75% LTV 60 3.99 3.99 4.90 5.90 7.90 8.90
  120 6.73 6.73 6.70 7.70 9.70 10.70
  180 7.09 7.09 7.25 8.00 NA NA
75.01-80% LTV 60 5.75 5.95 6.20 7.70 9.00 11.00
  120 7.49 7.69 7.94 9.44 12.00 13.00
  180 8.05 8.25 8.50 11.00 13.00 15.00
80.01-85% LTV 60 6.00 6.50 6.70 8.70 9.50 11.50
  120 7.80 8.30 8.50 10.50 11.30 15.00
  180 8.35 8.85 9.05 11.05 11.85 15.00
85.01-90% LTV 60 6.30 6.70 6.90 8.90 10.00 NA
  120 8.10 8.50 8.70 10.70 11.80 NA
  180 8.40 8.80 9.00 11.00 12.10 NA
90%+ LTV 60 7.30 7.70 7.90 9.90 NA NA
  120 9.10 9.50 9.70 11.70 NA NA
  180 9.40 9.80 10.00 12.00 NA NA

Rates accurate as of 03/10/14

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.

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                          Credit Score
  Repayment Period
 760+ 730-759 729-690 689-670 669-640 639 & less
65% & less LTV 60 3.74 3.74 4.25 4.74 6.74 7.65
  120 5.54 5.54 6.05 6.45 8.54 9.45
  180 5.84 5.84 6.35 8.75 NA NA
65.01-75% LTV 60 3.74 3.74 4.65 5.65 7.65 8.65
  120 6.48 6.48 6.45 7.45 9.45 10.45
  180 6.84 6.84 7.00 7.75 NA NA
75.01-80% LTV 60 5.50 5.70 5.95 7.45 8.75 10.75
  120 7.24 7.44 7.69 9.19 11.75 12.75
  180 7.80 8.00 8.25 10.75 12.75 14.75
80.01-85% LTV 60 5.75 6.25 6.45 8.45 9.25 11.25
  120 7.55 8.05 8.25 10.25 11.05 14.75
  180 8.10 8.60 8.80 10.80 11.60 14.75
85.01-90% LTV 60 6.05 6.45 6.65 8.65 9.75 NA
  120 7.85 8.25 8.45 10.45 11.55 NA
  180 8.15 8.55 8.75 10.75 11.85 NA
90%+ LTV 60 7.05 7.45 7.65 9.65 NA NA
  120 8.85 9.25 9.45 11.45 NA NA
  180 9.15 9.55 9.75 11.75 NA NA

Rates accurate as of 03/10/14

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.

 

Home Improvement Loans

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Repayment Period Loan Amount Annual Percentage Rate (APR*)
60 months up to $4,999 7.74% - 11.74%
72 months $5,000 to $7,499 7.74% - 11.74%
84 months $7,500 to $10,000 7.74% - 11.74%

Rates accurate as of 03/10/14

Renew Home Improvement Loan * APR = Annual Percentage Rate. Your qualifying rate depends on credit qualifications including term of loan, residential status, credit and employment history. Renew loans must be used for home improvement. Lowest rate available with checking relationship discount. Checking Relationship Discount 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; excludes payments with online bill pay. Plan excludes lines of credit, credit card, share secured loans, 1st mortgages, home equity, Equity Builder and business loans.

Membership required to borrow.

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Repayment Period Loan Amount Annual Percentage Rate (APR*)
60 months $5,000 to $50,000 6.99% - 10.99%
Up to 120 months $5,000 to $50,000 7.99% - 11.99%
121 - 180 months $5,000 to $50,000 8.49% - 12.49%

Rates accurate as of 03/10/14

Equity Builder Loan *APR = Annual Percentage Rate. Your qualifying rate depends on credit qualifications including collateral, term of loan, residential status, credit and employment history. 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.

 

Personal Loan Rates

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Share or Certificate Rate + 4.0% APR* rounded to the next .25% APR*

 Rates accurate as of 03/10/14

* 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.

Membership required to borrow.

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10.00% APR** (variable)
18.00% APR* (fixed)

Rates accurate as of 03/10/14

* 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.

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Repayment Period
 Loan Amount Fixed Rate
36 0 to $4999 Rates between 11.00% and 17.99% APR*†
48 min $5000 Rates between 11.00% and 17.99% APR*†
60 min $7500 Rates between 10.50% and 17.99% APR*†

Rates accurate as of 03/10/14

* 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.

† Lowest rate available with checking relationship discount. Checking Relationship discount 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 credit qualifications. Payment example: If you borrow $3,000.00 for 36 months at an APR of 12.00% your monthly payment would be $99.64

Membership required to borrow.

Mortgage Rates

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Membership required to borrow.

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Repayment Period

LTV

Fixed APR*

Up to 5 years

Up to 75%

3.24% - 3.99%

10 years

Up to 75%

3.74% - 4.24%

12 years

Up to 75%

3.99% - 4.74%

Rates accurate as of 03/10/14

 

*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. $400 pre-payment penalty if paid off within 3 years of origination. Membership required to borrow. The credit union may offer other loan rates and terms in the future. 

Membership required to borrow.

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Loan Type

LTV

Note Rate*

Loan Fee

APR

Custom Construction
5/1 ARM (Variable)

up to 90%

4.000%

1.500%

4.23%

Custom Contruction Conforming*
30 Yr with 15 Yr Balloon
(Fixed Rate Loans)

 up to 90% 4.375% 1.500% 4.61%

Rates accurate as of 03/10/14

*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.

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Loan Type

Term

LTV

Note Rate*

Lot Loan

25 year amortization / 1/3/5 year Call - Fixed Rate

75%

Rates starting at 6.75% - 7.75%

Rates accurate as of 03/10/14

Membership required to borrow.

 

 

Visa Credit Cards

View our Credit Card rates

 

 

Business Deposit Rates

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Account Dividend Rate APY*
Regular Savings 0.03% 0.03%

Rates accurate as of 03/10/14

*APY = Annual Percentage Yield

Business Fee Schedule

Important Account Information

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Account Dividend Rate APY*
Plus Business Checking 0.03% 0.03%
FreeB Business Checking This account does not pay dividends

Rates accurate as of 03/10/14

*APY = Annual Percentage Yield

Business Fee Schedule

Important Account Information

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Average Daily Balance Dividend Rate APY*
$0 - $24,999 0.00% 0.00%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $249,999 0.18% 0.18%
$250,000+ 0.20% 0.20%

Rates accurate as of 03/10/14

*APY = Annual Percentage Yield

Business Fee Schedule

Important Account Information

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Average Daily Balance Dividend Rate APY*
$0 - 9,999 0.03% 0.03%
$10,000 - $24,999 0.06% 0.06%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $499,999 0.18% 0.18%
$500,000 + 0.20% 0.20%

Rates accurate as of 03/10/14

*APY = Annual Percentage Yield

Business Fee Schedule

Important Account Information

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Business Savings Money Market Account
  • Minimum to open is $50
  • No dividend with average daily balance (ADB) below $100
  • Minimum to open is $1,500
  • Earns tiered dividends
  • No monthly maintenance fee with $1,500 average daily balance. Otherwise, $8 per month
  • 20 transactions free per month; thereafter $0.20 per withdrawal/deposit
  • 20 deposited checks free per month; thereafter $0.20 each
  • $2,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*
Checking Accounts
FreeB Basic
  • Minimum to open is $100
  • No monthly maintenance fee
  • 100 transactions free per month; thereafter $0.20 per withdrawal/deposit
  • 100 deposited checks free per month; thereafter $0.20 each
  • $2,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*
  • Minimum to open is $100
  • No monthly maintenance fee with minimum $2,500 average daily balance. Otherwise $10 per month
  • 100 transactions free per month; thereafter $0.20 per withdrawal/deposit
  • 100 deposited checks free per month; thereafter $0.20 each
  • $2,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*
Plus High Yield
  • Minimum to open is $100
  • Earns dividends
  • No monthly maintenance fee with $5,000 average daily balance. Otherwise, $15 per month
  • 200 transactions free per month; thereafter $0.20 per withdrawal/deposit
  • 200 deposited checks free per month; thereafter $0.20 each
  • $5,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*
  • Minimum to open is $100
  • Earns tiered dividends
  • No monthly maintenance fee with minimum $10,000 average daily balance. Otherwise, $15 per month
  • 300 transactions free per month; thereafter $0.20 per withdrawal/deposit
  • 300 deposited checks free per month; thereafter $0.20 each
  • $5,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*

*Assessed the first week of each month for the prior month's cash activity.

Business Certificate Rates

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Term Min. to Open & Earn Dividends Ave. Daily Balance
$0 - $9,999		 Ave. Daily Balance
$10,000 - $49,999 		Ave. Daily Balance
$50,000 - $99,999 		Ave. Daily Balance
$100,000 - $249,999		 Ave. Daily Balance
$250,000 +
 
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
Div Rate
APY*
3 Month $ 500
0.03%
0.03%
0.08%
0.08%
0.13%
0.13%
0.18%
0.18%
0.23%
0.23%
6 Month $ 500
0.06%
0.06%
0.11%
0.11%
0.16%
0.16%
0.21%
0.21%
0.26%
0.26%
12 Month $ 500
0.12%
0.12%
0.17%
0.17%
0.22%
0.22%
0.27%
0.27%
0.32%
0.32%
18 Month $ 500
0.17%
0.17%
0.22%
0.22%
0.27%
0.27%
0.32%
0.32%
0.37%
0.37%
24 Month $ 500
0.25%
0.25%
0.30%
0.30%
0.35%
0.35%
0.40%
0.40%
0.45%
0.45%
30 Month $ 500
0.25%
0.25%
0.30%
0.30%
0.35%
0.35%
0.40%
0.40%
0.45%
0.45%
3 Year $ 500
0.60%
0.60%
0.65%
0.65%
0.70%
0.70%
0.75%
0.75%
0.80%
0.80%
4 Year $ 500
0.65%
0.65%
0.70%
0.70%
0.75%
0.75%
0.80%
0.80%
0.85%
0.85%
5 Year $ 500
0.95%
0.95%
1.00%
1.00%
1.05%
1.05%
1.10%
1.10%
1.14%
1.15%
*APY = Annual Percentage Yield

Rates accurate as of 03/10/14

Business Fee Schedule

Important Account Information