Credit union · NCUA insured
Columbia Credit Union CD Rates
A $2.6B credit union, the 205th largest of 4,293, headquartered in Vancouver, WA, with 121,930 members and 15 branches in 2 states.
How Columbia Credit Union’s CD rates compare
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s best
Columbia Credit Union
3.60%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $360
Certificates (Personal & IRA)
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Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
11 Month “Thanks a Buzzillion” Promotional Certificate
Up to 4.50%APY · 1 term
Available for personal and IRA certificate types. Membership required. $500 minimum to open and earn advertised APY. Automatically renews at then-current 12-month certificate rate and terms. One-time rate bump feature allows owner to bump up to standard 12-month certificate rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsCD Only Relationship. Available October 2, 2026, and may be discontinued at any time without notice. Automatically renews at the then-current 12-month certificate rate and terms. One-time rate bump feature to bump up to the standard 12 Month Certificate APY once at any time within original certificate term | 4.00% | $366 |
| 11 monthsWith Checking account and qualifying new money. Members must have checking account as of certificate opening date or date adding new money. Qualifying New Money (from another institution received within 10 calendar days before or after opening) must equal at least 50% of original opening balance. Available October 2, 2026. Automatically renews at then-current 12-month certificate rate. One-time rate bump feature | 4.50% | $412 |
Sources (3)
All captured Nov 6, 2026
Certificates (Personal & IRA)
Up to 3.60%APY · 9 terms
Personal and IRA certificates. $500 minimum to open and earn dividends. Automatically renewable at maturity for the same term. Early withdrawal penalties apply (365 days or less - 90 days dividends; more than 365 days - 180 days dividends). No monthly fees.
| Term | APY · Up to $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 1.20% | 1.25% | 1.30% | 1.40% | 1.25%1.20% to $10k1.30% $50k–$100k1.40% from $100k | $31 |
| 6 months | 3.20% | 3.25% | 3.30% | 3.40% | 3.25%3.20% to $10k3.30% $50k–$100k3.40% from $100k | $161 |
| 12 months | 3.55% | 3.60% | 3.65% | 3.75% | 3.60%3.55% to $10k3.65% $50k–$100k3.75% from $100k | $360 |
| 18 months | 2.45% | 2.50% | 2.55% | 2.65% | 2.50%2.45% to $10k2.55% $50k–$100k2.65% from $100k | $377 |
| 24 months | 2.45% | 2.50% | 2.55% | 2.65% | 2.50%2.45% to $10k2.55% $50k–$100k2.65% from $100k | $506 |
| 30 months | 2.45% | 2.50% | 2.55% | 2.65% | 2.50%2.45% to $10k2.55% $50k–$100k2.65% from $100k | $637 |
| 36 months | 2.45% | 2.50% | 2.55% | 2.65% | 2.50%2.45% to $10k2.55% $50k–$100k2.65% from $100k | $769 |
| 48 months | 2.45% | 2.50% | 2.55% | 2.65% | 2.50%2.45% to $10k2.55% $50k–$100k2.65% from $100k | $1,038 |
| 60 months | 2.45% | 2.50% | 2.55% | 2.65% | 2.50%2.45% to $10k2.55% $50k–$100k2.65% from $100k | $1,314 |
Sources (2)
All captured Nov 6, 2026
Achiever's Club Youth Certificates
3.00%APY · 1 term
Certificate designed for youth under age 19. Add funds anytime in increments of $50. Automatically renewable at then-current market rates until member is 19 years old. Minor can withdraw and deposit funds on their own.
| Part of balance | Rate |
|---|---|
| Up to $10,000 | 2.95% |
| $10,000 – $50,000 | 3.00% |
| $50,000 – $100,000 | 3.05% |
| $100,000 and up | 3.15% |
On $10,000 the tiers blend to about 2.95% APY, earning $295 a year.
| Term | APY · Up to $10,000 | APY · $10,000 – $50,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsUnder age 19 | 2.95% | 3.00% | 3.15% | 3.00%2.95% to $10k3.15% from $100k | $300 |
Sources (3)
- columbiacu.org/youth
- columbiacu.org/certificates
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Nov 6, 2026
Who can join Columbia Credit Union
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