Columbia Credit Union | Ridgefield @ Discovery Ridge

Where you bank matters.

Financial services in Ridgefield, WA (show on map)

4.1

★★★★☆

53 reviews

Local not-for-profit financial institution offering checking, savings, loans, credit cards, and investment services.

Call (360) 891-4000

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About

Columbia Credit Union is a not-for-profit financial institution where member deposits flow back into the community to offer lower loan rates, high-yield deposits, and widespread donation dollars. It offers a full range of financial products including checking and savings accounts, vehicle and home loans, credit cards, investment and retirement planning, insurance, and business banking services.

The credit union also provides digital banking tools, financial education resources, and youth accounts.

Not-for-profit financial institution

Lower loan rates and high-yield deposits

Community reinvestment with donation dollars

No monthly fees on many accounts

Local service with personalized support

Sweepstakes and limited-time promotional offers

Services

Checking Accounts

Personal checking accounts including Income Checking, RewardsPlus Checking, and Spend Checking with debit card features.

Zero monthly fees on some accounts ATM fee rebates Unlimited cash rewards on debit card purchases Complimentary debit card

Savings Accounts

Personal savings accounts including regular savings, Holiday Club savings, Achiever's Club savings, and youth certificates.

Dividends paid on daily balance No monthly fee with minimum balance Holiday Club auto-transfer on Nov. 1 Youth accounts automatically convert to regular savings at age 19

Certificate Accounts (CDs)

Fixed-term savings certificates with tiered rates, terms from 3 months to 5 years, minimum balance as low as $500.

Tiered rates Automatically renewable Catch the Buzz 11-month CD at 3.75% APY Early withdrawal penalty waived for 50% withdrawal after 6 months

Money Market Accounts

Money Market Account and Premium Money Market with tiered rates, no monthly fee with minimum balance, and unlimited in-person withdrawals.

Tiered rates No monthly fee with $1,500 minimum balance Unlimited in-person withdrawals 24/7 online and mobile banking access

Vehicle Loans

Auto loans, RV loans, boat loans, motorcycle loans, and auto refinancing with rates as low as 4.74% APR.

Auto loan rates as low as 4.74% APR New and pre-owned vehicle financing Auto refinancing available Dealership financing option

Home Loans

Home equity loans, home improvement financing, mortgage loans, and first-time home buyer guidance.

3/6 ARM mortgage at 4.99% interest / 5.098% APR Home equity and improvement loans First-time home buyer resources Meet the mortgage team

Credentials & Certifications

Federal Deposit Insurance (FDIC)

Reviews

Rating

4.1

★★★★☆

Reviews

"Very fast and efficient."

Frequently Asked Questions

What is Columbia Credit Union? +

Columbia Credit Union is a local not-for-profit financial institution where your money flows back into the community to offer lower loan rates, high-yield deposits, and widespread donation dollars.

What auto loan rates are available? +

Auto loan rates as low as 4.74% APR are available from May 15 – June 3 for new and pre-owned vehicles, with dealership financing options.

What is the Catch the Buzz CD rate? +

The 11-month Catch the Buzz Certificate of Deposit offers 3.75% APY with no monthly requirements and guaranteed earnings.

What mortgage special is currently offered? +

A limited-time 3/6 ARM mortgage is available starting at 4.99% interest rate and 5.098% APR, with a fixed rate for the first 3 years and an adjustable rate every 6 months thereafter.

Are there youth savings accounts? +

Yes, Columbia CU offers Achiever's Club Savings for youth under age 19 with no monthly fee, six free withdrawals per month, and automatic conversion to Regular Savings on the 19th birthday.

What retirement account options are available? +

Columbia CU offers Traditional IRA (tax-deferred), Roth IRA (tax-free growth and withdrawals), and Coverdell Education IRA (for education expenses up to age 18).

What digital banking tools are available? +

Members have access to the Columbia CU App, Card Manager, Mobile Deposit, Credit Score monitoring, Sprout, Mobile Wallet, and a Budgeting Tool.

Is there a referral program? +

Yes, members can refer a friend and receive $100.