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Certificate of Deposit (CD) Rates

Our Certificates of Deposit (CDs) are not only an effective way to grow your income and save, they are also marketplace competitive. New Jersey Counts on Columbia…for great CD Interest Rates.

APY'S ARE ACCURATE AS OF 11/15/2018 AND ARE SUBJECT TO CHANGE AT ANY TIME
ANNUAL PERCENTAGE YIELD = APY

Fixed Rate Advantage Plus Certificate(s)

 Term Interest Rate  APY  Minimum Balance to Obtain APY  Compounding  *Interest Crediting  ***Premature Withdrawal Penalty Loss of  ****Automatic Renewal/Grace Period 
36 month AP 2.96% 3.00% $500.00 Daily Quarterly and at Maturity 365 Days Yes/7 days

The APY shown above is available if you open a Columbia Bank Advantage PLUS Checking Account. If at any time during the term of your CD, this checking account is not maintained, you will earn the regular CD Annual Percentage Yield.

Fixed Rate Savings Certificates

 Term Interest Rate APY  Minimum Balance to Obtain APY  Compounding  *Interest Crediting  ***Personal Withdrawal Penalty Loss of  ****Automatic Renewal/Grace Period 
7 days 0.10% 0.10% $2,500 None At Maturity All Interest Yes/None
28 days 0.10% 0.10% $2,500 None At Maturity All interest Yes/None
91 days 0.10% 0.10% $500 None Quarterly & at Maturity 30 days Yes/7 days
182 days 1.98% 2.00% $500 None Quarterly & at Maturity 90 days Yes/7 days
9 months 0.60% 0.60% $500 Quarterly Quarterly & at Maturity 90 days Yes/7 days
12 months 1.98% 2.00% $500 Quarterly Quarterly & at Maturity 180 days Yes/7 days
12 months AP 2.23% 2.25% $500 Quarterly Quarterly & at Maturity 180 days Yes/7 days
18 months 2.23% 2.25% $500 Daily Quarterly & at Maturity 180 days Yes/7 days
20 months 0.45% 0.45% $500 Daily Quarterly & at Maturity 180 days Yes/7 days
20 months - Bump Up 1.73% 1.75% $500 Daily Quarterly & at Maturity 180 days Yes/7 days
24 months 1.69% 1.70%
$500 Daily Quarterly & at Maturity 270 days Yes/7 days
30 months 1.73% 1.75% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
36 months 2.71% 2.75% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
36 months - Home Saver 2.96% 3.00% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
48 months 1.98% 2.00% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
60 months 2.23% 2.25% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
60 months AP 2.47% 2.50% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
72 months 2.23% 2.25% $500 Daily Quarterly & at Maturity 365 days Yes/7 days
84 months 2.23% 2.25% $500 Daily Quarterly & at Maturity 365 days Yes/7 days

Columbia Bank offers additional CD terms. Please contact our Customer Service Department or visit your nearest branch for other terms.


*The penalty for a premature withdrawal during the initial or any subsequent renewal term will be at the interest rate being paid on the account, regardless of the length of time the funds have remained on deposit. Any withdrawal which reduces the account balance below the initial /renewal balance shall be considered as a withdrawal of the entire account balance.

**All fixed rate savings certificates provide for automatic renewal unless at least 5 days for 7-28 day CDs or at least 10 days (for all other CDs) prior to the maturity date Columbia gives written notice to the account holder that the account will not be renewed. In such event, upon maturity, the account will be converted to a variable rate savings account and receive earnings at the interest rate then paid on variable rate savings accounts. The 7-28 day certificate has no grace period. The grace period for all other certificates is seven days from the date of maturity. During the grace period, funds can be withdrawn without penalty and will earn interest at the rate Columbia Bank is offering on the maturity date on certificate accounts for that term.

Available to individuals living or working in NJ.