Now more than ever, it is important to build a savings account. Count on Columbine to have a variety of accounts to meet your savings needs and to provide you with free online banking. Your money is safe with us. All accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).

Share Savings Account

  • Establishes your membership and ownership in Columbine; gives you access to other products and services at Columbine
  • $25 minimum balance
  • Earn quarterly dividends on balances of $50 or greater
  • Quarterly statements
  • Free ATM card with no annual fee
  • Make transfers from your account up to six times a month
  • Direct deposit available.
  • Can be pledged to secure a loan.

Holiday Club

  • Save money throughout the year to make holiday purchases
  • Balance in account will automatically be transferred to your basic savings or checking account on November 1st
  • Automatic deposit available
  • Earn monthly dividends based on average daily balance up to $10,000.00

For a higher interest rate, ask about our short-term Share Certificates.

Money Market Accounts

  • Competitive interest rate
  • Monthly dividends based on average daily balance
  • $2,500 minimum balance to open
  • Make up to six withdrawals per month
  • Automatic deposits available

Share Certificates

  • Earn monthly dividends based on deposit amount and term
  • Minimum balance of $1000 to open
  • Terms from six months to five years
  • Transfer or automatic renewal at maturity
  • Can be pledged to secure a loan
  • Jumbo certificates over $50,000 also available with quarterly dividends
  • Early withdrawal penalties may apply

Individual Retirement Accounts

  • Traditional or Roth IRAs available
  • IRA Share Accounts or IRA Certificates of Deposit available
  • IRA Share Account can be opened with a minimum of $100.00
  • IRA Certificates of Deposit can be opened with a minimum of $1000
  • Quarterly dividends based on average daily balance
  • Consult tax advisor about possible tax benefits
  • Penalties may apply for disbursements made prior to retirement age


*Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date. Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of 1 year or less 90 days’ dividends Terms of longer that 1 year 180 days’ dividends. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. (ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled.