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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.

Certificates of Deposit

Terms available from 3 months to 5 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%
12 Month 0.20% 0.20%
12 Month No Penalty* 0.05% 0.05%
13 Month 0.20% 0.20%
15 Month 0.20% 0.20%
18 Month 0.30% 0.30%
22 Month 0.30% 0.30%
23 Month 0.20% 0.20%
2 Year 0.30% 0.30%
35 Month 0.55% 0.55%
3 Year 0.50% 0.50%
36 Month Bump-Up** 1.24% 1.25%
4 Year 0.50% 0.50%
5 Year 1.98% 2.00%
60 Month Promo Relationship Banking*** 2.23% 2.25%

CD Disclosure

Annual Percentage Yields (APY) are in effect as of this publication date. Rates are subject to change and may be withdrawn without notice. There is a $500 minimum balance to open the Certificate of Deposit and obtain APY. Penalty may apply for early withdrawal. Certificate of Deposit rates can be applicable to IRA accounts.

*The 12 Month No Penalty CD allows a full withdrawal of funds after first seven days account is opened. No penalty will apply.

**For Bump-up CDs, 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 new 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.

***The 60 Month Promotional Relationship Banking CD requires you to have a Relationship Banking checking account to receive the above rate. Minimum balance to avoid monthly service 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!