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Columbia Credit Union

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Columbia Credit Union Rates & Review April 2026

Q: How many branches does Columbia Credit Union operate?

Columbia Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Columbia Credit Union?

Yes, to access services at Columbia Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Columbia Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Columbia Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 14, 2026

You can compare Columbia Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.52%, 6-month share certificate rates at 3.49% and 3-month share certificate rates at 1.36%. Savings rates are at 0.15% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.94%. All these rates can be compared to Columbia Credit Union rates. MonitorBankRates evaluates the financial stability of Columbia Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.62%. Rates were last updated on 04/14/2026.

Columbia Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Columbia Credit Union? Share your experience about Columbia Credit Union by leaving a review below, or read customer reviews before you decide to use Columbia Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.62%

Excellent Lower than avg

Columbia Credit Union
Columbia Credit Union

310 E Walnut St
Columbia, MO 65201 4455

Current Rate Availability

We do not have Columbia Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Columbia Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Columbia Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Columbia Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Columbia Credit Union

Website

Address 310 E Walnut St, Columbia, MO 65201 4455

Phone 573-256-2500

Fax 573-875-7053

President Tara Cox

CEO Jennifer Heath

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.62%

Return on Assets (ROA)

0.1726%

Return on Equity (ROE)

1.7773%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

32,991,492

Total Amount of Shares and Deposits

29,516,297

Total Shares and Deposits < 1 Year

29,294,291

Total Shares and Deposits 1 3 Years

179,913

Total Shares and Deposits > 3 Years

42,093

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

446,983

Total Uninsured Shares and Deposits > $250K (F+J)

446,983

Total Insured Shares and Deposits > $250K (item 17 less item K)

29,069,314

Total Interest Expense (Sum of items 6 8)

46,702

Share Certificates

Number of Accounts for Share Drafts

1,509

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,897

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

56,941

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,104,714

Total Liabilities

29,787,771

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Columbia Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Columbia Credit Union

Is Columbia Credit Union a safe place to deposit money?

Yes, Columbia Credit Union is considered a safe financial institution. With a Texas Ratio of 0.62177698994388%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Columbia Credit Union operate?

Columbia Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Columbia Credit Union?

Yes, to access services at Columbia Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Columbia Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Columbia Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Columbia Credit Union offer online and mobile banking?

Most modern institutions like Columbia Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.