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Columbia Bank's Individual Retirement Account (IRA) Rates

No matter your particular need, Columbia Bank's Individual Retirement Accounts (IRAs) are designed to help you save for retirement. With marketplace competitive IRA interest rates, our New Jersey IRAs provide the safety, security, and peace of mind you need to save with confidence. Browse the choices of IRA Accounts and IRA Interest Rates to find the one that works for you. For more information about IRA rates contact a knowledgeable Columbia Bank representative today.

APYS ARE ACCURATE AS OF 05/24/2018 AND ARE SUBJECT TO CHANGE AT ANY TIME.

ANNUAL PERCENTAGE YIELD = APY

Variable Rate Interest Bearing Retirement Accounts


Interest Rate  APY  Daily Minimum Balance To Obtain APY  Compounding  **Interest Crediting 
Passbook 0.15% 0.15% $50.00 Quarterly Quarterly
Distribution 0.15% 0.15% $.01 Daily Quarterly

Advantage Plus - Fixed Rate Retirement Certificate(s)

 Term Interest Rate  APY  *Minimum Balance To Open Account  Compounding  **Interest Crediting  ***Premature Withdrawal Penalty Loss Of ****Automatic Renewal/Grace Period 








Fixed Rate Retirement Certificates

 Term Interest Rate   APY Minimum Balance To Open Account  Compounding  **Interest Crediting  ***Premature Withdrawal Penalty Loss Of  ****Automatic Renewal/Grace Period 
91 day 0.10% 0.10% $500.00 None Quarterly & at Maturity 30 days Yes/ 7 days
4 month 0.10% 0.10% $500.00 None Quarterly & at Maturity 90 days Yes/ 7 days
5 months 0.10% 0.10% $500.00 None Quarterly & at Maturity 90 days Yes/ 7 days
182 days 1.00% 1.00% $500.00 None Quarterly & at Maturity 90 days Yes/ 7 days
7 months 0.10% 0.10% $500.00 Quarterly Quarterly & at Maturity 90 days Yes/ 7 days
8 months 0.10% 0.10% $500.00 Quarterly Quarterly & at Maturity 90 days Yes/ 7 days
9 months 0.60% 0.60%
$500.00 Quarterly Quarterly & at Maturity 90 days Yes/ 7 days
10 months 0.10% 0.10% $500.00 Daily Quarterly & at Maturity 180 days Yes/ 7 days
11 months 0.10% 0.10% $500.00 Daily Quarterly & at Maturity 180 days Yes/ 7 days
12 months  1.99% 2.00%  $500.00 Quarterly  Quarterly & at Maturity  180 days Yes/ 7 days
14 months  0.10% 0.10%  $500.00 Daily  Quarterly & at Maturity 180 days  Yes/ 7 days
18 months  0.55% 0.55%  $500.00 Daily  Quarterly & at Maturity 180 days  Yes/ 7 days
20 months  0.45% 0.45%  $500.00 Daily  Quarterly & at Maturity 180 days  Yes/ 7 days
20 months - Bump up  1.73% 1.75%  $500.00 Daily  Quarterly & at Maturity 180 days  Yes/ 7 days
24 months  1.98% 2.00%  $500.00 Daily  Quarterly & at Maturity 270 days  Yes/ 7 days
30 months  1.73% 1.75%  $500.00 Daily  Quarterly & at Maturity 270 days  Yes/ 7 days
36 months  2.96% 3.00%  $500.00 Daily  Quarterly & at Maturity 365 days Yes/ 7 days
40 months  0.75% 0.75%  $500.00 Daily  Quarterly & at Maturity 365 days Yes/ 7 days
42 months  0.75% 0.75%  $500.00  Daily Quarterly & at Maturity 365 days Yes/ 7 days
48 months  2.23% 2.25%  $500.00 Daily  Quarterly & at Maturity 365 days Yes/ 7 days
60 months 2.47%  2.50%  $500.00 Daily  Quarterly & at Maturity 365 days Yes/ 7 days
72 months 2.47% 2.50%  $500.00 Daily  Quarterly & at Maturity 365 days Yes/ 7 days
84 months 2.47% 2.50%  $500.00  Daily Quarterly & at Maturity 365 days Yes/ 7 days

Variable Rate Retirement Certificate(s)

 Terms Initial Interest Rate   Initial APY Minimum Balance To Open Account Compounding  **Interest Checking  ***Premature Withdrawal Penalty Loss Of  ****Automatic Renewal/Grace Period 
18 months 0.50% 0.50% $100.00 Daily Quarterly & at Maturity 180 days Yes/7 days

* The minimum to open any retirement certificate account, fixed or variable, is the same daily minimum to earn the annual percentage rate.

** Interest will be credited on the next to the last business day of each interest crediting period and at maturity. That interest is then available to be withdrawn the following business day. If you close your variable rate interest bearing retirement account before interest is credited you will not receive the accrued interest.

*** The penalty for a premature withdrawal from a fixed rate retirement certificate account 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. The penalty for a variable rate certificate account will be calculated based on the average of the interest rates in effect during the term of 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 and variable rate retirement certificates provide for automatic renewals unless at least 10 days 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 retirement savings account and will receive earnings at the interest rate then paid on variable rate retirement savings accounts. The grace period for all certificates is seven days from the date of maturity. During this period, funds can be withdrawn without penalty and will earn interest at the rate Columbia is offering on the maturity date on certificates for that term.

Available to individuals living or working in NJ.