Columbia Credit Union (WA/OR) 30-Month CD Earns Up To 3.60% APY


Deal Summary: 30-month CD, 3.60% APY ($100k), 3.55% APY ($50k), 3.50% APY ($10k), and 3.45% APY ($500).

Availability: Residents of Washington State and four northwest Oregon counties.

Columbia Credit Union (Columbia CU) started the new year by adding 100 bps to its 30-month CD, resulting in APYs up to 3.60%. I’m always wary when I see the phrase “up to,” because those two little words can signal some special requirement, such as a checking relationship. In this instance, “up to” is in reference to tiered APYs, which are based on deposit levels: 3.60% APY ($100k), 3.55% APY ($50k), 3.50% APY ($10k), and 3.45% APY ($500).

2.65*%$100k-Columbia Credit Union (WA)30 Month IRA (Traditional, Roth, CESA)
OTHER TIERS: 2.50% $500 - $10k | 2.55% $10k - $50k | 2.60% $50k - $100k
2.65*%$100k-Columbia Credit Union (WA)30 Month CD
OTHER TIERS: 2.50% $500 - $10k | 2.55% $10k - $50k | 2.60% $50k - $100k
Rates as of November 16, 2019.

The 30-month CD is also offered as an IRA (Traditional, Roth, and CESA) earning the same tiered APYs, with the same funding requirements.

As stated on the Personal Certificate Rate Schedule page, the Early Withdrawal Penalty reads as follows:

The amount of the early withdrawal penalty is based on
the term of your account. The penalty schedule is as follows:

365 days or less – 90 days dividends; more than 365 days – 180 days dividends.


Headquartered in Vancouver, Washington, Columbia Credit Union’s field of membership (FOM) includes individuals who live or work in Washington State, or in any of the northwest Oregon counties of Clackamas, Marian, Multnomah, or Washington.

Family members of membership-eligible individuals are also eligible to join.

Joining Columbia CU and/or opening a 30-month CD can be done online, or in person at any of twelve Washington branches located in Battle Ground, Ridgefield, Vancouver (9), and Washougal.

Credit Union Overview

Columbia Credit Union has an overall health grade of "A+" at, with a Texas Ratio of 1.99% (excellent) based on September 30, 2018 data. In the past year, Columbia CU has increased its total non-brokered deposits by $155.04 million, an excellent annual growth rate of 13.84%. Please refer to our financial overview of Columbia Credit Union (NCUA Charter # 68186) for more details.

Columbia Credit Union was founded in 1952 as the SP&S Federal Credit Union, serving SP&S Railway employees. (The Spokane, Portland and Seattle Railway was a joint venture by Great Northern Railway and Northern Pacific Railway, which constructed a rail line along the northern bank of the Columbia River.) For the first six years, the Credit Union operated out of the basement of its founder, Delbert Thompson. In 1975, the Credit Union re-branded as Columbia Credit Union when a new charter was adopted, allowing railroad employees and community members to join. Columbia Credit Union is currently the ninth largest credit union in Washington, with more than 97,000 members and assets in excess of $1.4 billion.

How the CD Compares

When compared to 311 similar length-of-term CDs tracked by that are available within the FOM, Columbia Credit Union’s 30-Month CD APY currently shares the top spot with Gesa Credit Union’s 36-month Bump Certificate, regardless of minimum deposit.

The above rates are accurate as of 1/5/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Portland CD rates, 5-year CD rates

Hoody   |     |   Comment #1
fyi Navy has another CD deal coming, 3.25% 17mo. , although this one is not a IRA, it is still capped at 50K.

Good deal for the "short term and lower deposit amount" crowd like younger people just starting out saving and have a set amount they can do without for a short time, not too good for retired type that use these things as income.
Hoody   |     |   Comment #4
1Limit one Special 17-Month Share Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective January 7, 2019. Navy Federal reserves the right to end or modify this offer at any time. The Special 17-Month Share Certificate has a $50 minimum and a $50,000 maximum balance. Only available for Share Certificates. Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates. Other restrictions may apply.
Jennifer   |     |   Comment #2
It's reaching the point where we are going to almost have to soon see some movement upwards in rates on longterm (5 year) CD's.
30 months at 3.60% is a pretty good deal.
Hoody   |     |   Comment #3
Yes it is, but not for me if capped, or IRA only.

One thing that concerns me with these short terms is locking up funds for that short time and find rates back in the dumps right after, in other words stuck again dealing with lower rates because of greed and "waiting" for that perfect rate. But a year or so I guess wouldn't be that worrisome, and better than a MM,.

Right now I have 2 7yr 3.1%ers that are now down to just under 2yrs to go. And want to open a new one at least 5yrs at a somewhat good rate even if under 4% for now. . I don't go outside my local walk in area, so no need to start with some CU in Alaska ,smirk....
Columbia Credit Union (WA) Adds 25-Month Certificate
Deal Summary: 25-month Certificate, 2.65% APY, $5k minimum deposit (at least 50% new money), one-time bump up option.

Availability: Residents of Washington State and four northwest Oregon counties.

Columbia Credit Union (Columbia CU) is celebrating its 65th Anniversary by offering a 25-month Certificate (2.65% APY). The minimum deposit is $5k, with no stated balance cap. At least 50% of the deposit “must be money not already on deposit at Columbia CU.”

The 25-month Certificate is also offered as an IRA (Traditional, Roth, and...

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$250 Checking Account Bonus at Columbia Credit Union in WA - Local Only

Columbia Credit Union is offering a $250 bonus for opening and activating a new Columbia checking account. The offer is listed at the credit union's promotions page as of 8/27/2010. The small print states:

They don't state the required activity. However, they do state what is required for an active checking account. An active checking account is required to receive their other bonuses for a loan or mortgage. Here is what the small print states regarding an active checking:

Credit for this find goes to FW member juggler451 who posted it at...

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4.50% 17-Month CD at Columbia Credit Union in Washington State
Columbia Credit Union will be offering a special 4.50% APY 17-month certificate from Oct. 14 through Oct. 31, 2008. The minimum deposit is $1,000. It's available for personal, IRA and business certificates.

Membership is open to anyone who lives or works in Washington State or in Jantzen Beach or Hayden Island, Oregon. Please refer to the credit union's Membership Page for the full details. Membership requires a $5 fee and a minimum balance of $5 in the savings account.

Branches are located in the Washington cities of Vancouver, Battle Ground, Ridgefield...

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5.55% 5-Month CD at a Washington State CU - up to 6.16% possible (Columbia)
Columbia Credit Union is offering a special CD that it calls the Rainy Day Certificate. At minimum, it's a 5.55% APY 5-month certificate. If you're lucky, it could be a 6.16% APY 5-month certificate. Here are the details that are listed at the credit union's promotion page:
  • Available one day only: Oct 18, 2007
  • 5-month term
  • 5.55% APY guaranteed
  • Earn a 0.55% bump if it rains more than 5.55 inches in November
  • Earn a 0.55% bump if it rains more than 5.55 inches in December
  • Open with as little as $500
  • 50 percent new money required
  • Columbia business...

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5% Money Market Account and $85 in Bonuses at a Washington State CU
Columbia Credit Union is offering a 5.00% APY for its Guaranteed Money Market Account. The minimum to open is $25K and 50% of which must be new money. It also requires a checking account. The 5% APY is guaranteed through January 1, 2007. The rate for balances under $25K is around 2%. Free checking accounts are available without monthly fees or minimum balance requirements.

Through the end of July, Columbia is offering gift cards for signing up for various sevices: A $10 Burgerville Card is given with every new membership....

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