Savings

Made to save

Make saving easier with automatic tools, savings interest, and youth and holiday accounts.

Made to save

Make saving easier with automatic tools, savings interest, and youth and holiday accounts.

9-MONTH CD SPECIAL

4.00% APY1 Certificate – Limited Time Offer

Turn your savings into earnings with a short-term, high-yield certificate available to all members. Open with as little as $500 or up to any amount. Start earning big before the promo ends!
Columbia Credit Union High Rate CD 9-month Certificate Offer

Stash Your Cash

Grow your savings automatically with every purchase.

IRA Planning

Save for retirement, college, and your family's future.

Money Market

Earn higher savings interest with a Money Market account.

Illustrated gear with dollar sign

Automatic Transfers

Transfer funds in the event of an overdraft.

Columbia Credit Union offers 5.00% APY on a 15-month Certificate of Deposit when combined with our 5.00% APY Income Checking!

15-Month High-Five Certificate

Earn two high yield high fives!

Pair two high fives together to earn as high as 5.00% APY1 on a 15-month CD when combined with our 5.00% APY Income Checking2.

Get the best rate of 5.00% APY on your 15-Month Certificate every month your Income Checking account qualifies for its high interest Rewards APY, too.

CERTIFICATE ACCOUNTS

Plant it. Leave it.
Watch it grow.

Plant some funds for a fixed term and watch savings interest grow faster than a savings account.

  • Earn high dividends on your money by planting them in a Certificate Account for a fixed term
  • Tiered rates
  • Terms from 3 months to 5 years
  • Minimum balance as low as $500
  • Automatically renewable at then-current market rates

Regular Savings

Start growing your savings with a Regular Savings account that earns dividends.

  • Two free withdrawals a month; $0.50 thereafter
  • No monthly fee if under age 19, an additional deposit or loan under same tax ID, or minimum balance of $300; otherwise $3
  • Dividends paid on daily balance to $0
  • $5 minimum to open

Achiever's Club Savings

Learn how to save with an Achiever’s Club savings account for youth under age 19.

  • Six free withdrawals per month; $0.50 thereafter
  • No monthly fee
  • Dividends paid on daily balance to $0
  • Automatically converts to Regular Savings account on 19th birthday
  • $5 minimum to open

Holiday Club Savings

Save up for the holidays automatically with a Holiday Club savings account.

  • Balance automatically transfers to designated savings or checking account on Nov. 1 every year
  • $1 Minimum to open
  • Dividends paid on daily balance to $0
  • No monthly fee
  • Withdrawals can be made at branches or with Member Service Call Center

Stash Your Cash

Grow your savings automatically every time you make a purchase.

  • Columbia will round purchases up to the next dollar and automatically transfer the difference into your Regular Savings account
  • Sign up for free if you have a Columbia CU checking account with a debit card, a savings account under the same tax ID, and are enrolled in e-statements
  • Stash Your Cash will never overdraw your checking account

SIGN UP NOW

Automatic Transfers

Automatically transfer money to your savings account to make sure you reach your goal.

  • In the event of an overdraft, automatically transfer funds into your checking account to cover the expense.

YOUTH CERTIFICATES

Achiever's Club Youth Certificates

Let your kids learn about money management with a certificate for youth under age 19.

  • Certificate Account designed to teach those under age 19 about money management while earning high dividends on their savings
  • Tiered rates
  • 12 month term
  • Minimum balance to open as low as $100
  • Add funds anytime
  • Automatically renewable at then-current market rates until member is 19 years old

Money Market Account

Earn higher dividends on your savings while maintaining flexibility.

  • Earn higher savings interest without having to maintain high minimum balances
  • Tiered rates
  • No monthly fee with minimum balance of $1,500; otherwise $8 per month
  • Unlimited in-person withdrawals or transfers
  • No dollar limitations on withdrawals
  • Free personalized checks
  • 24/7 access through Online and Mobile Banking

Money Market Bonus Dividend Plan

Put your savings into overdrive.​ Earn an increased dividend rate on your Money Market Account (not available for Premium Money Market Accounts) in 3 easy steps:

  1. Enroll by calling, emailing, or using the Digital Assistant
  2. Have an open checking account with a minimum balance of $2,500 and the same Tax ID as your money market
  3. Establish either a direct deposit into your checking account or an automatic loan payment from your checking account

Premium Money Market

Earn higher rates on your high-balance savings.

  • Enjoy the same Money Market convenience and liquidity but with higher rates for high balances
  • $100,000 minimum to open and earn dividends
  • Tiered rates
  • No monthly fee

Save for retirement, college, and your family's future.

Traditional IRA

Save for your family’s future with a tax-deferred Individual Retirement Account.

  • Tax-deferred retirement savings contributions 
  • Contributions can be made when you have earned income
  • Deductions may be limited if you (or your spouse) are covered by a retirement plan at work and your income exceeds certain levels. See IRS.gov for more details

Roth IRA

A retirement account for those who want tax-free growth and tax-free withdrawals.

  • Non-tax deductible retirement savings contributions that feature tax-free withdrawals on your earnings after 5 years and when you reach 59 ½ years or a qualifying event
  • Contributions might be limited based on your tax filing status and income
  • A contribution phase-out period applies to contributors whose income falls within the phase-out range

Coverdell Education IRA

Start building that college fund with an education-specific IRA.

  • Tax-deferred investment account created for paying education expenses on behalf of a beneficially (up to the age of 18)
  • Anyone can contribute but the total contribution limit is $2,000 per year per beneficiary
  • Individuals must earn less than $110,000 if filing single, and $220,000 if joint filing, to make a contribution
  • A contribution phase-out period applies to contributors whose income falls within the phase-out range

Financial education lesson

Individual Retirement Accounts (IRAs)

Learn about the features, benefits, and different types of IRAs as tools for retirement savings.