Bank · FDIC insured
Columbia Bank Carrot Score
A $65.4B bank, the 44th largest of 4,207, headquartered in Roseburg, OR, with 354 branches in 8 states.
Columbia Bank Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
- CDs65
- Savings88
- Auto loans60
- Credit cardsNot scored
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where Columbia Bank ranks
By Carrot score, in each area where it has branches
- #32 of 62Seattle-Tacoma-Bellevue, WA metro50
- #28 of 56Portland-Vancouver-Hillsboro, OR-WA metro42
- #90 of 128Los Angeles-Long Beach-Anaheim, CA metro22
- #22 of 35Sacramento-Roseville-Folsom, CA metro12
- #13 of 23Salem, OR metro11
- #33 of 50Riverside-San Bernardino-Ontario, CA metro9
And 75 more areas
- #12 of 21Eugene-Springfield, OR metro8
- #7 of 12San Luis Obispo-Paso Robles, CA metro8
- #6 of 11Roseburg, OR metro8
- #23 of 35San Diego-Chula Vista-Carlsbad, CA metro7
- #51 of 71San Francisco-Oakland-Fremont, CA metro6
- #14 of 27Spokane-Spokane Valley, WA metro6
- #9 of 16Bend, OR metro6
- #4 of 12Medford, OR metro6
- #44 of 60Phoenix-Mesa-Chandler, AZ metro5
- #11 of 25Olympia-Lacey-Tumwater, WA metro5
- #10 of 18Coeur d'Alene, ID metro5
- #6 of 9Eureka-Arcata, CA metro5
- #20 of 35Boise City, ID metro4
- #8 of 18Kennewick-Richland, WA metro4
- #7 of 17Bremerton-Silverdale-Port Orchard, WA metro4
- #4 of 9Coos Bay-North Bend, OR metro4
- #20 of 31Las Vegas-Henderson-North Las Vegas, NV metro3
- #13 of 21Reno, NV metro3
- #8 of 18Bellingham, WA metro3
- #8 of 16Santa Rosa-Petaluma, CA metro3
- #8 of 14Albany, OR metro3
- #7 of 14Napa, CA metro3
- #5 of 11Newport, OR metro3
- #4 of 10Klamath Falls, OR metro3
- #5 of 9Redding, CA metro3
- #6 of 9Sandpoint, ID metro3
- #3 of 8Astoria, OR metro3
- #2 of 5Red Bluff, CA metro3
- #16 of 26Tucson, AZ metro2
- #8 of 18Santa Maria-Santa Barbara, CA metro2
- #12 of 17Vallejo, CA metro2
- #6 of 14Yakima, WA metro2
- #8 of 13Corvallis, OR metro2
- #4 of 13Ontario, OR-ID metro2
- #4 of 12Grants Pass, OR metro2
- #6 of 12Moses Lake, WA metro2
- #4 of 11Port Angeles, WA metro2
- #6 of 10Lewiston, ID-WA metro2
- #4 of 10Longview-Kelso, WA metro2
- #4 of 9Ellensburg, WA metro2
- #3 of 9Pullman, WA metro2
- #5 of 9Yuba City, CA metro2
- #4 of 8Hermiston-Pendleton, OR metro2
- #3 of 7Clearlake, CA metro2
- #3 of 7The Dalles, OR metro2
- #2 of 5Brookings, OR metro2
- #2 of 3Othello, WA metro2
- #40 of 64Denver-Aurora-Centennial, CO metro1
- #31 of 43Salt Lake City-Murray, UT metro1
- #26 of 39San Jose-Sunnyvale-Santa Clara, CA metro1
- #15 of 29Colorado Springs, CO metro1
- #16 of 25Provo-Orem-Lehi, UT metro1
- #11 of 17Twin Falls, ID metro1
- #8 of 16Modesto, CA metro1
- #6 of 16Mount Vernon-Anacortes, WA metro1
- #7 of 14Wenatchee-East Wenatchee, WA metro1
- #4 of 10Aberdeen, WA metro1
- #4 of 10Centralia, WA metro1
- #5 of 10Chico, CA metro1
- #4 of 9Moscow, ID metro1
- #3 of 8Hood River, OR metro1
- #5 of 8Walla Walla, WA metro1
- #4 of 7La Grande, OR metro1
- #3 of 7Shelton, WA metro1
- #3 of 7Sonora, CA metro1
- #3 of 6Ukiah, CA metro1
- #2 of 4Baker City, OR metro1
- #69 of 108Washington106
- #44 of 76Oregon105
- #198 of 271California102
- #32 of 50Idaho24
- #52 of 73Arizona7
- #28 of 40Nevada6
- #62 of 103Colorado2
- #55 of 69Utah2
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
65beats 13% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.40% | 45% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 2.50% | 16% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 0.10% | 1% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 0.10% | 0% | 3.05% | 3.65% | 4.07% |
| Qualified | 3.40% | 23% | 3.85% | 4.15% | 4.35% |
Best rates 30.6 · all terms 15.5 → 24.5 → 65
Savings
88top 16% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.05% | 16% | 0.20% | 0.50% | 1.51% |
| $10,000 | 2.00% | 88% | 0.50% | 1.15% | 2.20% |
| $100,000 | 2.60% | 86% | 1.00% | 2.01% | 2.93% |
| Qualified | 2.00% | 85% | 0.60% | 1.31% | 2.43% |
Best rates 86.5 · all balances 72.5 → 80.9 → 88
Auto loans
60beats 1% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 8.53%counts as 8.78% | 1% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 8.78%counts as 9.03% | 1% | 5.39% | 4.99% | 4.49% |
Best rates 1.0 · all vehicles 0.9 → 1.0 → 60
Credit cards
Not scoredWhere the score could improve
- CDs, 16-30 months3.85%0.10% today, higher than 1% of U.S. institutions. 3.85% would reach the top quarter; 4.20% the top 10%.
- CDs, 9-15 months4.00%2.50% today, higher than 16% of U.S. institutions. 4.00% would reach the top quarter; 4.25% the top 10%.
- CDs, 31-60 months3.65%0.10% today, higher than 0% of U.S. institutions. 3.65% would reach the top quarter; 4.07% the top 10%.
- To score in the 90s3.66%At least one product needs a rate near the best in the country, like 3.66% or more on a 3-8 month CD (3.40% today), and strong rates on its other terms.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How Columbia Bank got its score
Its products stand at 80.9 for savings, 24.5 for CDs and 1.0 for auto loans, out of 100. Its best two, savings and CDs, average 52.7. Publishing three products adds 1.5, for 54.2. That puts it ahead of 32% of U.S. banks and credit unions: a Carrot Score of 72.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.