Deal Summary 

72-month CD, 0.75% APY, minimum deposit $500, dividends paid quarterly and at maturity. 

Columbia Bank’s top CD rate is 0.75% APY. This rate is offered on the bank’s 72-month CD with a minimum deposit of $500. The dividends earned on this CD are paid quarterly and at maturity.

The 36-month CD is another alternative. The account offers an 0.40% APY with a $500 minimum deposit. This account also pays you your dividends quarterly and at maturity. The more is in your account, the higher your earnings will be. 

For people who are interested in  short-term investments, Columbia Bank offers a 91-day to 12-month CD. These CD’s offer 0.25% and 0.35% with an annual percentage yield of 0.25% and 0.35%. These CD’s are also obtainable with a $500 minimum deposit. All of these accounts pay off at a quarterly basis or when the accounts reach maturity.

Columbia Bank offers seven CDs. Each of these CDs can be opened with a $500 minimum deposit. However, this doesn’t mean that you can’t always deposit more into these accounts. These CD terms vary from about 3 to 72-months. The APY starts at 0.25% and can get to 0.75%. If you withdraw from these accounts before they reach maturity, you may receive a penalty.


While you don’t have to be a member of the Columbia Bank to open a CD account, you will receive better rates if you are one. You can easily find out the cost of rates by calling the bank or visiting them in person. 

Branches In New Jersey

Aberdeen, Bernardsville, Cedar Grove, Clark, Colonia, Cranford, Deptford Township, East Brunswick, Edison, Fairfield, Fairlawn, Franklin Lakes, Hawthorne, High Bridge, Kinnelon, Linden, Livingston, Lyndhurst, Maple Shade, Marlboro, Medford, Middletown, Midland Park, Montville, Morristown, Mount Laurel, Newark, North Haledon, Oakland, Old Bridge, Oradell, Paramus, Pequannock, Pompton Lakes, Pompton Plains, Ramsey, Ridgewood, Roselle, Saddle Brook, Sayreville, Sewell, South Plainfield, Vorhees Township, Waldwick, Wayne, West Deptford, West Milford, West Orange, Westfield, Westwood, Woodbridge, and Wyckoff.

Bank Overview

Columbia Bank has served New Jersey for the last 100 years, and counting. They offer all types of services, from CD’s to auto loans and mortgages. Since 1927, Columbia Bank has grown significantly and is now all over the state of New Jersey. 

Despite their growth however, Columbia Bank maintains that their priority remains their customers. Colmbia Bank are also known for being team players in their community. 

They are constantly sponsoring local events and volunteering anywhere they are needed. This includes toy drives, food drives, fundrasiers, and more. What’s best is, Columbia’s volunteers are their own employees. In fact, Columbia Bank even started a volunteer organization called Team Columbia. 

Because they are local, Columbia Bank will treat you like a person, unlike bigger and more corporate banks who see their customers as a number. Aside from helping your finances grow, Columbia Bank is also there to help your community in any way that they can.