¹$300 Checking Account Bonus. Application must be submitted by June 30, 2025, and account funded within 10 business days of application approval. Must be a natural person, age 18 or older, who has not been a member (Tax Reported Owner) on a Columbia CU personal checking account in the past 12 months. During the promotional period, you must open a new Columbia Credit Union Income Checking account. Then, after earning your Income Checking Reward Dividend Rate twice within the first 90 days of opening your Income Checking account, we’ll deposit an extra $300 into your account. Reward Dividend Rate qualifications are defined below in section 2. Account must have a positive balance and be open at the time of payment. Bonus will be deposited into your Columbia CU Income Checking account on the first business day of the month following the completion of the requirements listed above. You must have received a personalized promotional code directly from Columbia Credit Union and enter the offer code at the time of account opening to qualify. Limit one account-opening offer per individual. Columbia Credit Union is not responsible for, and will not honor, promotional offers that appear on non-Columbia Credit Union websites or that are not authorized by Columbia Credit Union. The value of your account opening offer will be reported on IRS Form 1099-INT. Trusts and Businesses are not eligible. Offers are subject to change without notice. This promotional offer is valid in-branch, by phone, or online.

²APY=Annual Percentage Yield is accurate as of May 1, 2025, and can change at any time without notice. When qualifications are met, the Rewards Dividend Rate is calculated and accrued daily on ending balances of $25,000 or less. Dividends are paid and compounded monthly. The advertised Rewards APY assumes your balance, including the prior months’ dividends, is $25,000 or less every day of every month during the APY’s annual look-ahead timeframe. Minimum to open is $1. Requirements Period: (26th of the prior month – 25th of the current month). To earn Rewards APY and/or ATM fee rebates you must complete these three Requirements during the month’s Requirements Period: 1) Be enrolled in e-Statements; 2) Have a direct deposit of at least $500 into Income Checking; 3) Have 15 posted* Income Checking debit card or Columbia CU credit card purchases; pending transactions do not qualify. Please note: Debit and credit card transactions may not post (or may show as pending, not posted) to your Income Checking or Credit Card Account the same day as the purchases. *Definition: posted transaction has fully processed and appears on your account statement or in online & mobile banking with a transaction date. Credit card purchases count toward Requirements when the same person is the Tax Reported Owner (member) on the Income Checking and the credit card account. ATM withdrawals don’t count toward Requirements. Limit one (1) Income Checking per Tax Reported Owner (Member).

³One year of earnings of up to $1,300 based on meeting requirements for qualifying transactions to earn 5.50% APY on account and carrying $25,000 daily balance for 12 months. Potential earnings with a Columbia Credit Union Income Checking account are estimates based on published rates current as of May 1, 2025, and subject to change without notice.

⁴Early direct deposit is available for checking members that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 3 days earlier, however, we are dependent on the timing of your payer’s payment and therefore you may not always see your direct deposits arrive early.

⁵APR=Annual Percentage Rate. If you’re refinancing your vehicle loan from another lender, we will give you the lowest of either a) your Columbia CU qualifying APR or; b) up to 1.00% APR off your current lender’s APR down to our floor of 4.99% APR. Lowest APRs include Checking Relationship Plan discount which provides a qualifying rate discount of 0.25% APR for automatic loan payments from Columbia CU checking. Within 60 days of loan closing, Auto Pay can be set up via automatic transfers from your Columbia CU checking to your loan with the assistance of a Columbia CU representative. Membership required to borrow. Columbia Credit Union may offer other rates in the future.