Bank · FDIC insured
Columbia Bank CD Rates
Columbia Bank’s best CD rate is 3.80% APY on an 11-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Columbia Bank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Columbia Bank has the most branches. $10,000, best rate first.
This bank’s best
Columbia Bank
3.40%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $169
Certificate of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Columbia Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo0.10%
- 31–60 months31–60 mo0.10%
- QualifiedQualified3.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Columbia Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.80%APY · 13 terms
No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–2 monthsEarly withdrawal penalty may be imposed | 0.01% | $0 |
| 3–5 monthsEarly withdrawal penalty may be imposed | 0.02% | $0 |
| 6 monthsFor new CDs: minimum deposit of $10,000 of qualifying new money not previously deposited at the bank. Contact local branch to open. Early withdrawal penalty may be imposed | 3.40% | $169 |
| 6 monthsFor renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed | 3.40% | $169 |
| 9 monthsEarly withdrawal penalty may be imposed | 0.15% | $11 |
| 11 monthsFor new CDs: requires minimum deposit of $25,000 of qualifying new money not previously deposited at the bank and an active checking account. Contact local branch to open. Early withdrawal penalty may be imposed | 3.80% | $348 |
| 12–17 monthsEarly withdrawal penalty may be imposed | 0.10% | $10 |
| 12 monthsEarly withdrawal penalty may be imposed | 2.50% | $250 |
| 18–23 monthsEarly withdrawal penalty may be imposed | 0.10% | $15 |
| 24 monthsBump Rate Time Deposit: permitted to request one rate adjustment during the term prior to maturity to the then current Bump Rate Time Deposit Account interest rate in effect (not to exceed Initial + 5.00%). Early withdrawal penalty may be imposed | 0.10% | $20 |
| 24–35 monthsEarly withdrawal penalty may be imposed | 0.10% | $20 |
| 36–47 monthsEarly withdrawal penalty may be imposed | 0.10% | $30 |
| 48–59 monthsEarly withdrawal penalty may be imposed | 0.10% | $40 |
| 60–Unknown monthsEarly withdrawal penalty may be imposed | 0.10% | $50 |
Sources (5)
- columbiabank.com/personal-bank…ings/certificate-deposit
- columbiabank.com/personal-bank…osit/12-month-cd-details
- columbiabank.com/personal-bank…osit/24-month-cd-details
- columbiabank.com/personal-bank…tificate-deposit/details
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.80%APY · 13 terms
Individual Retirement Accounts (IRA CD) are placed within time deposit accounts. Unless otherwise noted, IRA CD have the same terms, conditions and penalties as the time deposit account of choice. Additional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Available as Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–2 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.01% | $0 |
| 3–5 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.02% | $0 |
| 6 monthsFor new CDs: minimum deposit of $10,000 of qualifying new money not previously deposited at the bank. Contact local branch to open. Additional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 3.40% | $169 |
| 6 monthsFor renewing CDs (or depositing maturing CD balance). Additional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 3.40% | $169 |
| 9 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.15% | $11 |
| 11 monthsFor new CDs: requires minimum deposit of $25,000 of qualifying new money not previously deposited at the bank and an active checking account. Contact local branch to open. Additional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 3.80% | $348 |
| 12–17 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $10 |
| 12 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 2.50% | $250 |
| 18–23 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $15 |
| 24–35 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $20 |
| 24 monthsBump Rate Time Deposit: permitted to request one rate adjustment during the term prior to maturity to the then current Bump Rate Time Deposit Account interest rate in effect (not to exceed Initial + 5.00%). Additional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $20 |
| 36–47 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $30 |
| 48–59 monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $40 |
| 60–Unknown monthsAdditional funds can be added midterm to an IRA CD at a minimum of $500 per addition. Early withdrawal penalty may be imposed | 0.10% | $50 |
Sources (2)
- columbiabank.com/personal-banking/savings/ira
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.