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Earn competitive rates of interest at guaranteed terms. A great way to save!

Regular consumer and IRA Certificates of Deposit are available.

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Certificates of Deposit

Terms available from 3 months to 6 years.
All provide competitive interest rates, compounded daily.

CD Rates

Description Interest
3 Month 0.05% 0.05%
6 Month 0.05% 0.05%
9 Month 0.05% 0.05%
9 Month No Penalty* 0.05% 0.05%
9 Month No Penalty Promo Relationship Banking*^ 0.30% 0.30%
12 Month 0.20% 0.20%
12 Month Variable Rate** 0.05% 0.05%
15 Month 0.20% 0.20%
18 Month Promo Relationship Banking^ 0.75% 0.75%
2 Year 0.30% 0.30%
30 Month 0.76% 0.76%
3 Year 0.50% 0.50%
3 Year Bump-Up Promo Relationship Banking#^ 1.39% 1.40%
4 Year 1.34% 1.35%
5 Year Promo Relationship Banking^ 1.98% 2.00%
72 Month 1.00% 1.01%

CD Disclosure

Annual Percentage Yields (APY) are accurate as of today's date. Rates are subject to change and may be withdrawn without notice. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Certificate of Deposit rates can be applicable to IRA accounts.

*Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty.The 9 Month No Penalty CD's are not available as an IRA account.

**Rate may change after account is opened.A penalty may be imposed for early withdrawal.The 12 Month Variable Rate CD is not available as an IRA account.

#For Bump-Up CDs, the rate may change after the account is opened. The interest rate and APY may be changed once (and only once) during the initial term of the CD. Upon our receipt of a written "bump up" request from you, we will adjust the interest rate and APY to the interest rate and APY then in effect for Fixed Rate CDs with the longest term that does not exceed the initial term of your CD. No new money may be added when exercising the Bump-Up option.

^The 9 Month No Penalty Promo Relationship Banking, 18 Month Promo Relationhip Banking,3 Year Bump-Up Promo Relationship Banking, and 5 Year Promo Relationship Banking CDs require you to have a Relationship Banking checking account to receive the above rate and APY. Minimum balance to avoid monthly maintenance fee on the Relationship Banking checking account is $2,000.

For Account Agreement Disclosure information, please call our Direct Banking Center at 1.888.TCB.BANK (1.888.822.2265).


Choose from several The Columbia Bank IRA CD options:

  • Fixed Rate IRA CDs
  • Roth and Education IRAs

We offer competitive rates of interest and the opportunity for you to save for your retirement years.

Financial Calculators:

Looking to save to purchase a car, home or simply for the future? Find out how much you will need with one of our convenient financial calculators. Click here to learn more!