Columbine has a wide array of accounts to serve your financial needs.
From checking accounts to investment accounts, the choice is yours. Open an account
today and see how Columbine can deliver you financial success!


When you open your primary share account, you become more than “just a saver” at Columbine Federal Credit Union, you become an owner and a member.

Certificates and Money Market Accounts

Columbine offers short-term and long-term savings options to fit your needs with a $1,000 minimum deposit and no monthly fees. At Columbine, you take control of your financial future.

Individual Retirement Accounts

Our Individual Retirement Accounts (IRAs) allow you to save for retirement through yearly contributions while offering tax benefits. We offer both IRA Share Accounts1 or Certificates2. Available from 6 months to 5 years terms with competitive dividends rates.


Designed for all of our members (you), this checking account is a one size fits all. Best part? It’s free! It’s true. We know sometimes every dollar helps, so we’ve made it easy for you to manage your finances.


Teaching children and young adults to save is very important and can build a foundation for healthy spending habits. Learn more about our youth accounts below.


Primary Share Savings Account

Your primary membership account with Columbine. With an opening deposit of just $5, you’ll gain access to all the great benefits (and rates!) your credit union has to offer.
Of course, you’ll also:

  • earn quarterly dividends on balances of at least $50
  • receive quarterly statements
  • enjoy our Visa® ATM card with no annual fee
  • be able to make transfers from your account up to six times a month
  • be able to pledge available balances to secure a loan (a great way to build your credit!)

Change up!

It’s easy to save when you use your Columbine debit card for all your transactions.

Use your card for everyday transactions, even online ones, and watch your savings add up. Each debit card transaction rounds up to the next dollar amount and automatically transfers the difference into the Columbine account of your choice at the end of each day.

Start saving today with Columbine Change Up!

Open a new Columbine checking account at any of our branch locations. If you already have a checking account and need a Visa® debit card or need to enroll in Change Up! Call us or stop by and we’ll take care of it.

Holiday Club

Yep! A Holiday Club might sound old fashioned but we still have a soft spot for it. For many of us it was one of our first savings accounts and a great lesson in steady, consistent savings to reach a goal – or, in this case to make your holiday spending a little less stressful!

  • Save money year-round to make your holiday purchases a bit more manageable. And, on November 1st, when it’s almost time to start making your shopping lists, the balance in your account will automatically be transferred to your savings account.
  • It’s just $5 to open and you’ll start earning a generous 0.60% APY* dividend on your savings right away! Set up automatic deposits and make reaching your goals even easier.
*Monthly dividends are earned based on average daily balance up to $10,000.00

Certificates and Money Market Accounts

Certificates and Money Market Accounts

Share Certificate Specials: Limited Time Offer

  • 13 months at 4.75 APY*
*APY = Annual Percentage Yield. Rates effective April 18, 2023. 4.75% APY is valid on the special 13-month Share Certificate. Required minimum balance is $1,000. Promotional rate limited to one special share certificate per social security number. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal. This is a limited-time offer and may be canceled at any time. Other terms and conditions may apply. See credit union for details. Federally insured by NCUA.

Money Market Accounts

The perfect account to keep your money accessible. Short-term savings goals with higher dividend rates.
  • Competitive tiered dividend rates
  • Earn monthly dividends based on average daily balance
  • $1,000 minimum deposit
  • Limited to six withdrawals per month
  • No monthly service or maintenance fees

Individual Retirement Accounts

Individual Retirement Accounts

Ah…the sweet sound of retirement…it might still be awhile before you can enjoy it, but it’s never too early to start planning for it.

Our Individual Retirement Accounts (IRAs) allow you to save for retirement through yearly contributions while offering tax benefits. We offer both IRA Share Accounts1 or Certificates2. Available from 6 months to 5 years terms with competitive dividends rates.


Traditional IRAs are taxed at withdrawal but allow tax deductions on the contributions that you make. Also, this type of IRA requires you to begin withdrawing funds at 70 ½ years of age.

Roth IRA

A Roth IRA allows you to enjoy tax-free growth and does not require you to withdraw at any age, but you’ll pay taxes on your contributions. Your contributions also depend on the modified adjusted gross income, or MAGI, limits.

Learn more about the basics and differences of IRAs.
1Minimum opening deposit of $100 is required for IRA Share Accounts. 2Minimum opening deposit of $1,000 is required for IRA Certificate Accounts. Early withdrawal penalty may be imposed for early withdrawal. Early withdrawal penalty amount is based on the terms of your account as defined in your Truth-in-Savings Disclosure Booklet.



You make a lot of choices every day in life, to keep things simple we’ve loaded all the good stuff (benefits) into one checking account.

Designed for all of our members (you), this checking account is a one size fits all. Best part? It’s free! It’s true. We know sometimes every dollar helps, so we’ve made it easy for you to manage your finances. There’s no minimum balance requirement to maintain so that means no monthly services fees…plus, you’ll enjoy:

  • Free online and mobile banking
  • Unlimited surcharge-free access to nearly 30,000 CO-OP® ATMs nationwide
  • 24-hour Touch Tone Teller
  • Nationwide account access at over 5,600 Credit Union Service Center locations
  • Unlimited check writing
  • Overdraft privilege after 90 days*
  • Overdraft protection line of credit with approval
  • Members 55 and over enjoy one box of checks annually

*$30 Courtesy Pay fee will apply per occurrence. Opt-in is required for Courtesy Pay for ATM and Debit Card transactions.

Visa® Debit Card

Debit cards. For many of us, they are the preferred method of payment, linked directly to our checking accounts, it’s almost like paying in cash but more convenient. And, these days, you don’t actually even need to carry it to use it — talk about convenient.
When you carry a Columbine Visa® Debit Card in your wallet (leather or virtual), you can feel confident that you’ll have access to your money whenever and however you need it.
  • Accepted at millions of merchants, worldwide
  • Receive your instant issued card immediately
  • Access any ATM, including thousands of surcharge-free ATMs
  • Keep track of every transaction through Online Banking
  • Get cash back at checkout
  • Load your card into Apple Pay®, Samsung Pay®, Google Pay®, PayPal® and more for secure online and mobile payment options

Overdraft Protection Line Of Credit

Overdraft Protection will automatically cover whatever you overdraw from your checking account. And, the interest you pay is typically less than an Overdraft fee.

  •  Easy, online application
  •  Flexible borrowing
  •  Instant approvals
  •  Pay back only what you borrow—not the approved amount
  •  Conveniently access through Online Banker, checks, or at the ATMs.

Business Checking

Concentrate less on your banking and more on your business with our Columbine Business Checking Account. If you own a sole proprietorship or business partnership, then you need a convenient checking account.

Open yours today to enjoy:

  • Free online banking partnership
  • Access to your account at over 5,600 Credit Union Service Centers nationwide
  • Our free Visa® debit card
  • Surcharge-free access to nearly 30,000 CO-OP ATMs nationwide

Questions? Stop in or call and we’ll be happy to help.

Courtesy Pay

It happens… sometimes we skirt the limit and sometimes things happen and we find ourselves with insufficient funds in our account. If that’s happened to you or you think it might—don’t worry. Columbine has you covered with Courtesy Pay.

How does it work?

It’s easy. Whenever you overdraw your checking account, we’ll cover your checks, ACH payments, and even Debit Card and ATM transactions. You’ve just got to Opt In and let us know that’s what you want.

The benefits?

  •  Avoid high fees from merchants for returned checks
  •  Avoid embarrassing debit card declines
  •  Have peace of mind and flexibility

Each time you use Courtesy Pay, a low $30 fee will be incurred for each paid overdraft item.

Youth Account

Youth Account

Youth Prime Certificate

Designed for our members 17 years old or younger, this certificate account has a maximum balance of $1,000 and pays dividends equal to Prime Rate.*  The certificate matures each year on December 31st regardless when opened. Funds are deposited into the member’s primary share savings. A new Youth Prime Certificate can subsequently be reopened to earn dividends equal to Prime Rate at the time of reopening each year.

*Dividend rate is equal to the Prime Rate as published in the Wall Street Journal on the last business day of each month at time of opening.

Columbine Connects

Columbine Federal Credit Union

Established by Columbine Federal Credit Union, the CONNECTS Foundation raises funds for and supports scholarships and financial educational initiatives throughout our local community.

Every year the CONNECTS Foundation will award scholarships, micro-enterprise grants and other financially focused requests. Our unpaid Board of Directors is made up of community volunteers who have a commitment to the mission and vision of the Foundation and our direct community.

Learn more, donate, or apply now.

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