SAVINGS
Savings
SAVINGS
Made to save.
Make saving easier with automatic tools, savings interest, and youth and holiday accounts.
Stash Your Cash
Grow your savings automatically with every purchase.
IRA Planning
Save for retirement, college, and your family's future.
Money Market
Earn higher savings interest with a Money Market account.
Automatic Transfers
Transfer funds in the event of an overdraft.
Start growing your savings with a Regular Savings account that earns dividends.
- Two free withdrawals a month; $0.50 thereafter
- No monthly fee if under age 19, an additional deposit or loan under same tax ID, or minimum balance of $300; otherwise $3
- Dividends paid on daily balance to $0
- $5 minimum to open
Learn how to save with an Achiever’s Club savings account for youth under age 19.
- Six free withdrawals per month; $0.50 thereafter
- No monthly fee
- Dividends paid on daily balance to $0
- Automatically converts to Regular Savings account on 19th birthday
- $5 minimum to open
Save up for the holidays automatically with a Holiday Club savings account.
- Balance automatically transfers to designated savings or checking account on Nov. 1 every year
- $1 Minimum to open
- Dividends paid on daily balance to $0
- No monthly fee
- Withdrawals can be made at branches or with Member Service Contact Center
CERTIFICATE ACCOUNTS
Plant it. Leave it. Watch it grow.
Plant some funds for a fixed term and watch savings interest grow faster than a savings account.
- Earn high dividends on your money by planting them in a Certificate Account for a fixed term
- Tiered rates
- Terms from 3 months to 5 years
- Minimum balance as low as $500
- Automatically renewable at then-current market rates
CERTIFICATE ACCOUNTS
Plant it. Leave it. Watch it grow.
Plant some funds for a fixed term and watch savings interest grow faster than a savings account.
- Earn high dividends on your money by planting them in a Certificate Account for a fixed term
- Tiered rates
- Terms from 3 months to 5 years
- Minimum balance as low as $500
- Automatically renewable at then-current market rates
YOUTH CERTIFICATES
Achiever's Club Youth Certificates
Let your kids learn about money management with a certificate for youth under age 19.
- Certificate Account designed to teach those under age 19 about money management while earning high dividends on their savings
- Tiered rates
- 12 month term
- Minimum balance to open as low as $100
- Add funds anytime
- Automatically renewable at then-current market rates until member is 19 years old
YOUTH CERTIFICATES
Achiever's Club Youth Certificates
Let your kids learn about money management with a certificate for youth under age 19.
- Certificate Account designed to teach those under age 19 about money management while earning high dividends on their savings
- Tiered rates
- 12 month term
- Minimum balance to open as low as $100
- Add funds anytime
- Automatically renewable at then-current market rates until member is 19 years old
Earn higher dividends on your savings while maintaining flexibility.
- Earn higher savings interest without having to maintain high minimum balances
- Tiered rates
- No monthly fee with minimum balance of $1,500; otherwise $8 per month
- Unlimited in-person withdrawals or transfers
- No dollar limitations on withdrawals
- Free personalized checks
- 24/7 access through Online and Mobile Banking
Put your savings into overdrive. Earn an increased dividend rate on your Money Market Account (not available for Premium Money Market Accounts) in 3 easy steps:
- Enroll by calling, emailing, or using the Digital Assistant
- Have an open checking account with a minimum balance of $2,500 and the same Tax ID as your money market
- Establish either a direct deposit into your checking account or an automatic loan payment from your checking account
Earn higher rates on your high-balance savings.
- Enjoy the same Money Market convenience and liquidity but with higher rates for high balances
- $100,000 minimum to open and earn dividends
- Tiered rates
- No monthly fee
$100 FOR YOU! $100 FOR THEM!
Refer a Friend for $100
Refer a friend to open their first checking account with Columbia CU and we’ll deposit $100 into BOTH of your accounts. Just our way of saying thanks—and welcome! And, a great way for you to share the value offered through Columbia Credit Union membership with your friends and family.
$100 FOR YOU! $100 FOR THEM!
Refer a Friend for $100
Refer a friend to open their first checking account with Columbia CU and we’ll deposit $100 into BOTH of your accounts. Just our way of saying thanks—and welcome! And, a great way for you to share the value offered through Columbia Credit Union membership with your friends and family.
★★★★★
"The staff at Columbia CU has provided exceptional service for all of my banking needs. I am a refugee from two very large institutions on the East Coast. Columbia CU provides better service and benefits and does not nickel and dime for service charges like the big institutions."
- Paul B.
Save for retirement, college, and your family's future.
Save for your family’s future with a tax-deferred Individual Retirement Account.
- Tax-deferred retirement savings contributions
- Contributions can be made when you have earned income
- Deductions may be limited if you (or your spouse) are covered by a retirement plan at work and your income exceeds certain levels. See IRS.gov for more details
A retirement account for those who want tax-free growth and tax-free withdrawals.
- Non-tax deductible retirement savings contributions that feature tax-free withdrawals on your earnings after 5 years and when you reach 59 ½ years or a qualifying event
- Contributions might be limited based on your tax filing status and income
- A contribution phase-out period applies to contributors whose income falls within the phase-out range
Start building that college fund with an education-specific IRA.
- Tax-deferred investment account created for paying education expenses on behalf of a beneficiary (up to the age of 18)
- Anyone can contribute but the total contribution limit is $2,000 per year per beneficiary
- Individuals must earn less than $110,000 if filing single, and $220,000 if joint filing, to make a contribution
- A contribution phase-out period applies to contributors whose income falls within the phase-out range
More account options beyond savings
High-Yield Checking
Make your money work harder for you with our Income Checking account. Benefit from competitive returns, zero monthly fees, and ATM fee rebates—ready to start earning more with your checking?
RewardsPlus Checking
Get unlimited cash rewards with every purchase made using your debit card, all without any monthly fees. Open a RewardsPlus Checking Account to transform your everyday spending into valuable rewards.
Spend Checking
Help your kids develop strong financial habits with our Spend Checking Account. Designed with no monthly fees and a complimentary debit card, this account empowers young savers to learn money management skills.
