Bank · FDIC insured
Columbia Bank Savings Rates
Columbia Bank’s best savings rate is 2.00% APY on $10,000, with its Thrive Money Market Special. Rates checked October 22, 2026.
How Columbia Bank’s savings 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
2.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $200
Thrive Money Market Special
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Columbia Bank savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.60%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Thrive Money Market Plus
0.05%APY
You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.05% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $10,000 – $25,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.05% | $5 | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $25,000 – $50,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.35% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $50,000 – $100,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.35% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $100,000 – $250,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.35% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $250,000 – $500,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.35% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $500,000 – $1,000,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.35% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $1,000,000 – $3,000,000You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.40% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $3,000,000 and upYou must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 3.40% | — | You must make a minimum deposit of $25,000 of qualifying new money into your new account and have an active checking account. To qualify for the promotional rate, new money must not have been previously deposited at the bank. Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
Sources (1)
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf · captured Sep 30, 2026
Premium Personal Money Market Special
0.05%APY
You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. Minimum opening deposit $100,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.05% | $5 | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $25,000 – $50,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.05% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $50,000 – $100,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.10% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $100,000 – $500,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.60% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $500,000 – $1,000,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.65% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $1,000,000 – $3,000,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.80% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $3,000,000 – $5,000,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.80% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $5,000,000 and upYou must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.80% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
Sources (1)
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf · captured Sep 30, 2026
Thrive Money Market Special
2.00%APY
You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.05% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $2,500 – $10,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 0.05% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $10,000 – $25,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.00% | $200 | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $25,000 – $50,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.00% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $50,000 – $100,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.00% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $100,000 – $250,000You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.60% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
| $250,000 and upYou must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. | 2.60% | — | You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening. |
Sources (1)
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf · captured Sep 30, 2026
Prosper Money Market
0.05%APY
$15 Monthly maintenance fee; or $0 with a $10,000 minimum daily balance; or $25,000 combined balance. $100 minimum to open. Available for online account origination. Interest rate and APY may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $2,500 – $5,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $5,000 – $10,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $10,000 – $25,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | $5 | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $25,000 – $50,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.10% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $50,000 – $100,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.15% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $100,000 – $250,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.30% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $250,000 – $500,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.50% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $500,000 – $1,000,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.75% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $1,000,000 and upThe interest rate and annual percentage yield may change after account opening. Available for online account origination. | 1.00% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
Sources (2)
All captured Sep 30, 2026
Premium Personal Money Market
0.05%APY
The interest rate and annual percentage yield may change after account opening. Minimum opening deposit $100,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000The interest rate and annual percentage yield may change after account opening. | 0.05% | $5 | The interest rate and annual percentage yield may change after account opening. |
| $25,000 – $50,000The interest rate and annual percentage yield may change after account opening. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. |
| $50,000 – $100,000The interest rate and annual percentage yield may change after account opening. | 0.10% | — | The interest rate and annual percentage yield may change after account opening. |
| $100,000 – $500,000The interest rate and annual percentage yield may change after account opening. | 0.20% | — | The interest rate and annual percentage yield may change after account opening. |
| $500,000 – $1,000,000The interest rate and annual percentage yield may change after account opening. | 0.20% | — | The interest rate and annual percentage yield may change after account opening. |
| $1,000,000 – $3,000,000The interest rate and annual percentage yield may change after account opening. | 0.50% | — | The interest rate and annual percentage yield may change after account opening. |
| $3,000,000 – $5,000,000The interest rate and annual percentage yield may change after account opening. | 0.50% | — | The interest rate and annual percentage yield may change after account opening. |
| $5,000,000 and upThe interest rate and annual percentage yield may change after account opening. | 0.50% | — | The interest rate and annual percentage yield may change after account opening. |
Sources (1)
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf · captured Sep 30, 2026
Thrive Money Market
0.05%APY
$10 monthly maintenance fee, waived with a $1,000 minimum daily balance or link to a checking account (up to 3 complimentary accounts linked to Access Checking, or up to 5 complimentary accounts linked to Pinnacle Checking). Available for online account origination. Interest rate and APY may change after opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $2,500 – $10,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $10,000 – $25,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | $5 | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $25,000 – $50,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $50,000 – $100,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.05% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $100,000 – $250,000The interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.10% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
| $250,000 and upThe interest rate and annual percentage yield may change after account opening. Available for online account origination. | 0.15% | — | The interest rate and annual percentage yield may change after account opening. Available for online account origination. |
Sources (3)
- columbiabank.com/personal-banking/savings
- columbiabank.com/personal-banking/savings/thrive
- columbiabank.com/globalassets/…nsumer_deposit_rates.pdf
All captured Sep 30, 2026
Special-purpose accounts
Coverdell Education Savings
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Interest rate and APY may change after account opening. Interest calculated using daily balance method. | 0.01% | — | Interest rate and APY may change after account opening. Interest calculated using daily balance method. |
| $250 and upInterest rate and APY may change after account opening. Interest calculated using daily balance method. | 0.01% | $1 | Interest rate and APY may change after account opening. Interest calculated using daily balance method. |
Sources (2)
All captured Oct 15, 2026
Grow Savings
0.01%APY
Monthly maintenance fee of $3 waived with $200 minimum daily balance, or monthly transfer from a Columbia personal deposit account, or primary account owner age 18 and younger or 55 and older, or linked to Pinnacle Checking (up to 5 accounts) or Access Checking (up to 3 accounts), or VBBP Participant. Fee temporarily waived through March 2026. Limit of 6 withdrawals/transfers per calendar month or statement cycle ($5 excess withdrawal fee).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate may change after account opening. Interest calculated using daily balance method. Available for online account origination. $3 monthly maintenance fee waived with $200 minimum daily balance, monthly qualifying transfer from a Columbia personal deposit account, primary owner age 18 or younger or 55 or older, link to Pinnacle Checking (up to 5 accounts) or Access Checking (up to 3 accounts), or for active-duty military, veterans, beneficiaries, and caregivers via VBBP.Over $0 | 0.01% | $1 | Rate may change after account opening. Interest calculated using daily balance method. Available for online account origination. $3 monthly maintenance fee waived with $200 minimum daily balance, monthly qualifying transfer from a Columbia personal deposit account, primary owner age 18 or younger or 55 or older, link to Pinnacle Checking (up to 5 accounts) or Access Checking (up to 3 accounts), or for active-duty military, veterans, beneficiaries, and caregivers via VBBP. |
IRA Savings
0.01%APY
Monthly maintenance fee is $0. $100 minimum to open. Must be 18 or older with earned income to open/contribute. Limit 6 withdrawals/transfers per calendar month or statement cycle ($5 excess withdrawal fee). Third-party electronic withdrawals not allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate may change after account opening. Interest calculated using daily balance method.Over $0 | 0.01% | $1 | Rate may change after account opening. Interest calculated using daily balance method. |
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.