Credit union · NCUA insured
Columbia Credit Union Savings Rates
Columbia Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Columbia Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where Columbia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Columbia Credit Union
0.60%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $60
Money Market Account w/Bonus Dividend Plan
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Columbia Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.60%
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.
Premium Money Market Account
0.00%APY
No monthly fees. Unlimited in-person withdrawals. Must meet membership eligibility (applicant or any family member lives or works in WA State or Clackamas, Marion, Multnomah, and Washington counties in OR, and pay $10 lifetime membership fee).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.00% | $0 |
| $100,000 – $250,000 | 1.00% | — |
| $250,000 – $500,000 | 1.25% | — |
| $500,000 – $1,000,000 | 1.50% | — |
| $1,000,000 – $2,500,000 | 3.25% | — |
| $2,500,000 and up | 3.75% | — |
Money Market Account w/Bonus Dividend Plan
0.60%APY
Earn a bonus dividend on your money market balance when enrolled in the Bonus Dividend Plan and meeting Plan requirements: Columbia Credit Union personal checking account with minimum balance of $2,500 and either direct deposit into checking (in current or previous statement period) or payment of CCU loan in current statement period by automatic transfer from checking under same tax ID number. $1,500 minimum balance to avoid $8 monthly fee. Must meet membership eligibility (live or work in WA State or Clackamas, Marion, Multnomah, and Washington counties in OR, and pay $10 lifetime membership fee).
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $5,000Bonus Dividend Plan enrollment and qualifying checking requirements. · Unknown to open | 0.33% | Unknown | — | Bonus Dividend Plan enrollment and qualifying checking requirements. |
| $5,000 – $10,000Bonus Dividend Plan enrollment and qualifying checking requirements. · $1,500 to open | 0.55% | $1,500 | — | Bonus Dividend Plan enrollment and qualifying checking requirements. |
| $10,000 – $25,000Bonus Dividend Plan enrollment and qualifying checking requirements. · $1,500 to open | 0.60% | $1,500 | $60 | Bonus Dividend Plan enrollment and qualifying checking requirements. |
| $25,000 – $50,000Bonus Dividend Plan enrollment and qualifying checking requirements. · $1,500 to open | 0.75% | $1,500 | — | Bonus Dividend Plan enrollment and qualifying checking requirements. |
| $50,000 – $100,000Bonus Dividend Plan enrollment and qualifying checking requirements. · $1,500 to open | 0.95% | $1,500 | — | Bonus Dividend Plan enrollment and qualifying checking requirements. |
| $100,000 and upBonus Dividend Plan enrollment and qualifying checking requirements. · $1,500 to open | 1.10% | $1,500 | — | Bonus Dividend Plan enrollment and qualifying checking requirements. |
Sources (3)
- columbiacu.org/open-an-account
- columbiacu.org/money-market-accounts
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Sep 25, 2026
Money Market
0.50%APY
$1,500 minimum balance to avoid $8 monthly fee. Unlimited in-person branch withdrawals or transfers; check writing available. Must meet membership eligibility (applicant or any family member lives or works in WA State or Clackamas, Marion, Multnomah, and Washington counties in OR, and pay $10 lifetime membership fee).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.30% | — |
| $5,000 – $10,000 | 0.45% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $500,000 | 0.65% | — |
| $50,000 – $100,000 | 0.85% | — |
| $100,000 and up | 1.00% | — |
Sources (3)
- columbiacu.org/open-an-account
- columbiacu.org/money-market-accounts
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Oct 4, 2026
Regular Savings
0.10%APY
Two free withdrawals per month, $0.50 per withdrawal thereafter. Monthly fee of $3 is waived for members under age 19, members with an additional deposit or loan under the same tax ID, or members maintaining a minimum balance of $300.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly fee of $3 waived if under age 19, having an additional deposit or loan under same tax ID, or maintaining a minimum balance of $300. Dividends paid on daily balance to $0.Any balance | 0.10% | $10 | Monthly fee of $3 waived if under age 19, having an additional deposit or loan under same tax ID, or maintaining a minimum balance of $300. Dividends paid on daily balance to $0. |
Sources (4)
- columbiacu.org/certificates
- columbiacu.org/savings
- columbiacu.org/savings/regular
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Sep 25, 2026
Special-purpose accounts
IRA Savings
0.30%APY
Tax-advantaged retirement and education savings options include Traditional IRA, Roth IRA, and Coverdell Education Savings Accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 and up | 0.45% | — |
Sources (3)
- columbiacu.org/individual-retirement-accounts-iras
- columbiacu.org/savings
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Sep 25, 2026
Achievers Club Savings
0.10%APY
Available to youth under age 19. Six free withdrawals per month, $0.50 per withdrawal thereafter. Automatically converts to Regular Savings account on 19th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be under age 19. Dividends paid on daily balance to $0. 6 free withdrawals per month, $0.50 thereafter.Any balance | 0.10% | $10 | Must be under age 19. Dividends paid on daily balance to $0. 6 free withdrawals per month, $0.50 thereafter. |
Sources (4)
- columbiacu.org/youth
- columbiacu.org/savings
- columbiacu.org/savings/youth
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Sep 25, 2026
Holiday Club Savings
0.10%APY
Balance automatically transfers to designated Columbia CU savings or checking account annually on November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid on daily balance to $0. Balance automatically transfers to designated savings or checking account on Nov. 1 every year.Any balance | 0.10% | $10 | Dividends paid on daily balance to $0. Balance automatically transfers to designated savings or checking account on Nov. 1 every year. |
Sources (3)
- columbiacu.org/savings
- columbiacu.org/savings/holiday-club
- columbiacu.org/download/311bb4…e-41f0-930b-afe5c4d75b2a
All captured Sep 25, 2026
Who can join Columbia Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.