Credit union · NCUA insured
Columbia Credit Union Savings Rates
Columbia Credit Union’s best savings rate is 0.25% APY on $10,000, with its SMART MONEY MARKET. Rates checked October 16, 2026.
How Columbia Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where Columbia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Columbia Credit Union
0.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $25
SMART MONEY MARKET
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Columbia Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.25%
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 Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
SMART MONEY MARKET
0.25%APY
Dividends paid on all balances above $2,500. No monthly fee with minimum balance of $1,000; otherwise $10 per month. $500.00 minimum on withdrawals. Up to six pre-authorized withdrawals or transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upNo monthly fee with minimum balance of $1,000; otherwise $10 per month. | 0.25% | $25 | No monthly fee with minimum balance of $1,000; otherwise $10 per month. |
| $10,000 and upNo monthly fee with minimum balance of $1,000; otherwise $10 per month. | 0.25% | $25 | No monthly fee with minimum balance of $1,000; otherwise $10 per month. |
| $20,000 and upNo monthly fee with minimum balance of $1,000; otherwise $10 per month. | 0.35% | — | No monthly fee with minimum balance of $1,000; otherwise $10 per month. |
| $50,000 and upNo monthly fee with minimum balance of $1,000; otherwise $10 per month. | 0.45% | — | No monthly fee with minimum balance of $1,000; otherwise $10 per month. |
Shares
0.15%APY
Primary Share Savings Account is required to maintain membership at CCU. Account cannot fall below $0.01. Dividends are paid quarterly on account balances over $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly on balances over $100.00.$100 and up | 0.15% | $15 | Dividends paid quarterly on balances over $100.00. |
Special Shares
0.15%APY
Sub-accounts in addition to Share Saving Accounts. Dividends are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly.$100 and up | 0.15% | $15 | Dividends paid quarterly. |
Special-purpose accounts
Christmas Club
0.15%APY
No minimum deposit to open. Dividends are posted quarterly. Unlimited access throughout the year. Balances are deposited into Share accounts on November 1st each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends posted quarterly.Any balance | 0.15% | $15 | Dividends posted quarterly. |
Educational IRA
0.15%APY
Designed for children's qualified primary through college education expenses. Balances must be disbursed by beneficiary age 30 or gifted to a family member under age 30.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Roth IRA
0.15%APY
Contributions are not tax-deferred; withdrawals are generally tax-free. No required minimum distribution age.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Traditional IRA
0.15%APY
Tax-sheltered savings plan. Contributions may be tax-deductible; withdrawals taxed. Penalty-free distributions begin at age 59 1/2; required minimum distributions begin by April 1st of calendar year after turning 70 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Who can join Columbia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Boone County, Missouri are eligible for membership.
Family and household
- Close relatives and household minors of existing members are eligible for membership.
Cost to join
- Membership requires maintaining a minimum balance of one share ($0.01) in the primary account.
Membership information collected October 4, 2026.