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Cobalt Federal Credit Union

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Cobalt Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Cobalt Federal Credit Union?

Current rates for Cobalt Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.05%, 24-Month CD: 4.00%, 60-Month CD: 2.75%, Savings: 2.90%, MMA: 3.25%

Q: What CD terms does Cobalt Federal Credit Union offer?

Cobalt Federal Credit Union CD rates are 3.95% APY for a 6 month CD, 3.80% APY for a 12 month CD, 3.05% APY for an 18 month CD, 4.00% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Cobalt Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Cobalt Federal Credit Union's Baby Bundle CD 24 Month rates are at 4.00%, CD - 6 month - Member Loyalty rates are at 3.95%, Baby Bundle CD 12 Month rates are at 3.80%, CD - 6 month rates are at 3.80%, 24 Month CD and IRA - Member Loyalty rates are at 4.25%. Cobalt Federal Credit Union's savings rates are at 2.90%. Cobalt Federal Credit Union's money market rates are at 3.25%. Cobalt Federal Credit Union's checking rates are as high as 3.25%. Cobalt Federal Credit Union's Auto Loan Rates are as low as 4.49%. Cobalt Federal Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Cobalt Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.25%. Rates last updated and verified on 10/29/2026.

Cobalt Federal 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 Cobalt Federal Credit Union? Share your experience about Cobalt Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cobalt Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.25%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Cobalt Federal Credit Union
Headquarters

7148 Towne Center Pkwy
Papillion, NE 68046

https://www.cobaltcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Cobalt Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Certificate and IRA - Member Loyalty	-	4.25%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45% Oct 29, 20264.25%▲ from 3.45% Oct 19, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Certificate and IRA - Member Loyalty	-	4.15%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50% Oct 29, 20264.15%▲ from 3.50% Oct 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Certificate and IRA - Member Loyalty	-	4.15%	24 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45% Oct 29, 20264.15%▲ from 3.45% Oct 19, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Certificate and IRA	4.04%	4.10%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30% Oct 29, 20264.10%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Certificate and IRA - Member Loyalty	-	4.05%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Certificate and IRA	3.94%	4.00%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Oct 29, 20264.00%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Certificate and IRA	3.94%	4.00%	24 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20% Oct 29, 20264.00%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Certificate and IRA - Member Loyalty	-	4.00%	30 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25% Oct 29, 20264.00%▲ from 3.25% Oct 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Baby Bundle Certificate 24 Month	3.93%	4.00%	24 Month
Min Deposit $50 Details Balance: $50 & greater; Period: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20% Oct 29, 20264.00%▲ from 3.20% Oct 26, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Certificate and IRA - Member Loyalty	-	3.95%	12 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 4.05% → 3.95% ▼ 0.10 pts · high 4.05% / low 3.95% Oct 29, 20263.95%▼ from 4.05% Oct 19, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Certificate - 6 month - Member Loyalty	-	3.95%	6 Months
Min Balance $100,000 Details Member Loyalty APY; Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 4.10% → 3.95% ▼ 0.15 pts · high 4.10% / low 3.95% Oct 29, 20263.95%▼ from 4.10% Oct 19, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Certificate and IRA	3.84%	3.90%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90% Oct 29, 20263.90%▼ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Certificate and IRA	3.84%	3.90%	18 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25% Oct 29, 20263.90%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Certificate and IRA - Member Loyalty	-	3.90%	30 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25% Oct 29, 20263.90%▲ from 3.25% Oct 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Certificate and IRA - Member Loyalty	-	3.90%	60 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.15% → 3.90% ▲ 0.75 pts · high 3.90% / low 3.15% Oct 29, 20263.90%▲ from 3.15% Oct 19, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Certificate and IRA	3.80%	3.85%	30 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.10% → 3.85% ▲ 0.75 pts · high 3.85% / low 3.10% Oct 29, 20263.85%▲ from 3.10% Sep 18, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Certificate - 6 month - Member Loyalty	-	3.85%	6 Months
Min Balance $1,000 Details Member Loyalty APY; Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85% Oct 29, 20263.85%▼ from 4.10% Oct 19, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Certificate and IRA	3.75%	3.80%	12 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 3.80% ▼ 0.10 pts · high 3.90% / low 3.80% Oct 29, 20263.80%▼ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Baby Bundle Certificate 12 Month	3.74%	3.80%	12 Month
Min Deposit $25 Details Balance: $25 & greater; Period: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.90% → 3.80% ▼ 0.10 pts · high 3.90% / low 3.80% Oct 29, 20263.80%▼ from 3.90% Oct 26, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Certificate - 6 month	3.75%	3.80%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80% Oct 29, 20263.80%▼ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Certificate and IRA	3.70%	3.75%	30 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00% Oct 29, 20263.75%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Certificate and IRA - Member Loyalty	-	3.75%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.15% → 3.75% ▲ 0.60 pts · high 3.75% / low 3.15% Oct 29, 20263.75%▲ from 3.15% Oct 19, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Certificate - 6 month	3.65%	3.70%	6 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 3.70% ▼ 0.25 pts · high 3.95% / low 3.70% Oct 29, 20263.70%▼ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Certificate and IRA - Member Loyalty	-	3.65%	36 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15% Oct 29, 20263.65%▲ from 3.15% Oct 19, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Bump Up Share and Bump Up IRA Certificate	3.55%	3.60%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00% Oct 29, 20263.60%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Certificate and IRA	3.55%	3.60%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00% Oct 29, 20263.60%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Bump Up Share and Bump Up IRA Certificate	3.45%	3.50%	36 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.50% ▲ 0.60 pts · high 3.50% / low 2.90% Oct 29, 20263.50%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Certificate and IRA	3.45%	3.50%	36 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 3.50% ▲ 0.60 pts · high 3.50% / low 2.90% Oct 29, 20263.50%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Certificate and IRA - Member Loyalty	-	3.25%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15% Oct 29, 20263.25%▲ from 3.15% Oct 19, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Certificate and IRA - Member Loyalty	-	3.15%	48 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Certificate and IRA	3.06%	3.10%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 29, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Certificate and IRA - Member Loyalty	-	3.05%	18 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.40% → 3.05% ▼ 0.35 pts · high 3.40% / low 3.05% Oct 29, 20263.05%▼ from 3.40% Oct 19, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Certificate and IRA	2.97%	3.00%	48 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 29, 20263.00%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Certificate and IRA - Member Loyalty	-	3.00%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00% Oct 29, 20263.00%▼ from 3.05% Oct 19, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Certificate and IRA	2.82%	2.85%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85% Oct 29, 20262.85%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Certificate and IRA	2.72%	2.75%	60 Months
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.90% → 2.75% ▼ 0.15 pts · high 2.90% / low 2.75% Oct 29, 20262.75%▼ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Business CD Rates

Product	Rate	APY	Term
24 Month Business Term Share Certificate	4.04%	4.10%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30% Oct 29, 20264.10%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Business Term Share Certificate	3.94%	4.00%	18 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Oct 29, 20264.00%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Business Term Share Certificate	3.94%	4.00%	24 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20% Oct 29, 20264.00%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Business Term Share Certificate	3.84%	3.90%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90% Oct 29, 20263.90%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Business Term Share Certificate	3.84%	3.90%	18 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25% Oct 29, 20263.90%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Business Term Share Certificate	3.80%	3.85%	30 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.85% ▲ 0.75 pts · high 3.85% / low 3.10% Oct 29, 20263.85%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Business Term Share Certificate	3.75%	3.80%	12 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 3.80% ▼ 0.10 pts · high 3.90% / low 3.80% Oct 29, 20263.80%▼ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
6 Month Business Term Share Certificate	3.75%	3.80%	6 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80% Oct 29, 20263.80%▼ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Business Term Share Certificate	3.70%	3.75%	30 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00% Oct 29, 20263.75%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
6 Month Business Term Share Certificate	3.65%	3.70%	6 Month
Min Balance $1 Details Balance: $1.00.00-99.999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 3.70% ▼ 0.25 pts · high 3.95% / low 3.70% Oct 29, 20263.70%▼ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Business Term Share Certificate	3.55%	3.60%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00% Oct 29, 20263.60%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Business Term Share Certificate	3.45%	3.50%	36 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.50% ▲ 0.60 pts · high 3.50% / low 2.90% Oct 29, 20263.50%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Business Term Share Certificate	3.06%	3.10%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 29, 20263.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Business Term Share Certificate	2.97%	3.00%	48 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 29, 20263.00%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Business Term Share Certificate	2.82%	2.85%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85% Oct 29, 20262.85%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Business Term Share Certificate	2.72%	2.75%	60 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 2.75% ▼ 0.15 pts · high 2.90% / low 2.75% Oct 29, 20262.75%▼ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Savings Rates

Product	Rate	APY
Online Prime Savings	2.86%	2.90%
Min Balance $1,000 Details Balance: $1,000.00 & greater; Period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 2.90% ▲ 0.25 pts · high 2.90% / low 2.65% Sep 21, 20262.90%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Health Savings Account	0.25%	0.25%
Min Balance $0 Details Balance: $0 & greater; Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Holiday Club Account	0.25%	0.25%
Details Period: Annually Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Vacation Club Account	0.25%	0.25%
Details Period: Annually Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0-$25,000 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Share Savings	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000-24,999.99; Period: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Share Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 & greater; Period: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Online Prime Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0-999.99; Period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.62% → 2.86% ▲ 0.24 pts · high 2.86% / low 2.62% Sep 21, 20262.86%▲ from 2.62% Sep 14, 20262.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Money Market Rates

Product	Rate	APY
Personal Prime Money Market Account	3.20%	3.25%
Min Balance $20,000 Details Balance: $20,000.00 and over; Period: Monthly; Footnotes (6)(9) Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal and IRA Money Market Account	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal and IRA Money Market Account	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000.00-99,999.99; Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal and IRA Money Market Account	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00-49,999.99; Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal and IRA Money Market Account	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00-24,999.99; Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal Prime Money Market Account	0.10%	0.10%
Details Accts. not meeting qualifications; Period: Monthly; Footnotes (6)(9) Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal and IRA Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0.01-2,499.99; Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Prime Money Market Account	2.96%	3.00%
Min Balance $20,000 Details Balance: $20,000 & greater; Period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Sep 21, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Business Prime Money Market Account	1.09%	1.10%
Details Accounts not meeting qualifications; Period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 1.10% ▼ 1.00 pts · high 2.10% / low 1.10% Sep 29, 20261.10%▼ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Checking Rates

Product	Rate	APY
Cobalt Elite Checking Account	3.20%	3.25%
Min Balance $2,500 Details Qualifying balance up to $20,000.00; Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Cobalt Blue Checking Account	1.49%	1.50%
Min Balance $0 Details Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Free Checking Account	0.00%	0.00%
Details Period: N/A Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New 2026 & New/Used 2025 - Loyalty	-	-	4.49%	up to 48 months
Details As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025; Member Loyalty Loan Rate Discount requirements apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan (2024 - 2023) - Loyalty	-	-	4.49%	up to 48 months
Details As Low As; Vehicle Year: 2024 - 2023; Loyalty APR; Requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; 0.50% APR discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Auto Loan - 2025 - 2024 - Loyalty	-	-	4.74%	49-60 months
Details As Low As; Loyalty APR; Vehicle Year: 2025 - 2024; Member Loyalty Loan Rate Discount requirements apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan (2024 - 2023) - Loyalty	-	-	4.74%	49-60 months
Details As Low As; Vehicle Year: 2024 - 2023; Loyalty APR; Requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; 0.50% APR discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Auto Loan - 2025 - 2024 - Loyalty	-	-	4.99%	61-72 months
Details As Low As; Loyalty APR; Vehicle Year: 2025 - 2024 (row label blank, carried from row above); Member Loyalty Loan Rate Discount requirements apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Auto Loan - New 2026 & New/Used 2025	-	-	4.99%	up to 48 months
Details As Low As; Vehicle Year: New 2026 & New/Used 2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan (2024 - 2023)	-	-	4.99%	up to 48 months
Details As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2022-2021 - Loyalty	-	-	4.99%	up to 48 months
Details As Low As; Vehicle Year: 2022 - 2021; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Auto Loan - 2025 - 2024	-	-	5.24%	49-60 months
Details As Low As; Vehicle Year: 2025 - 2024 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan (2024 - 2023)	-	-	5.24%	49-60 months
Details As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Auto Loan - 2025 - 2024	-	-	5.49%	61-72 months
Details As Low As; Vehicle Year: 2025 - 2024 (row label blank, carried from row above) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan (2024 - 2023)	-	-	5.49%	61-72 months
Details As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2022-2021	-	-	5.49%	up to 48 months
Details As Low As; Vehicle Year: 2022 - 2021; APR as low as* Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Auto Loan - 2025 - 2024	-	-	5.74%	73-84 months
Details As Low As; Vehicle Year: 2025 - 2024 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan (2024 - 2023)	-	-	5.74%	73-84 months
Details As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate; 79-84 month financing available on loans exceeding $25,000 only Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2021-2020 - Loyalty	-	-	5.74%	49-60 months
Details As Low As; Vehicle Year: 2021 - 2020; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2021-2020 - Loyalty	-	-	5.99%	61-66 months
Details As Low As; Vehicle Year: 2021 - 2020; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2020 - 2018 - Loyalty	-	-	6.24%	Up to 60 months
Details As Low As; Loyalty APR; Vehicle Year: 2020 - 2018; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2021-2020	-	-	6.24%	49-60 months
Details As Low As; Vehicle Year: 2021 - 2020; APR as low as* Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2020 - 2018 - Loyalty	-	-	6.39%	61-66 months
Details As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2021-2020	-	-	6.49%	61-66 months
Details As Low As; Vehicle Year: 2021 - 2020; APR as low as* Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2020 - 2018 - Loyalty	-	-	6.64%	67-72 months
Details As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2020 - 2018	-	-	6.74%	Up to 60 months
Details As Low As; Vehicle Year: 2020 - 2018; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2021-2020	-	-	6.74%	67-72 months
Details As Low As; Vehicle Year: 2021 - 2020; APR as low as* Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2020 - 2018	-	-	6.89%	61-66 months
Details As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan 2020 - 2018	-	-	7.14%	67-72 months
Details As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan - Loyalty	-	-	8.09%	up to 36 months
Details As Low As; Vehicle Year: 2017 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan - Loyalty	-	-	8.14%	37-48 months
Details As Low As; Vehicle Year: 2016 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan	-	-	8.59%	up to 36 months
Details As Low As; Vehicle Year: 2017 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan	-	-	8.64%	37-48 months
Details As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan - Loyalty	-	-	9.79%	49-60 months
Details As Low As; Vehicle Year: 2016 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 9.79% ▲ 5.05 pts · high 9.79% / low 4.74% Oct 26, 20269.79%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used Auto Loan	-	-	10.29%	49-60 months
Details As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.24% → 10.29% ▲ 4.05 pts · high 10.29% / low 6.24% Oct 26, 202610.29%▲ from 6.24% Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & Motorcycles - New 2026 & New or Used 2025 - Loyalty Loan	-	6.49%	up to 72 months
Details As Low As; Vehicle Year: 2025 - 2024; Loyalty APR; Requires $500+ monthly direct deposit to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage or credit card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 - Loyalty Loan	-	6.74%	73-84 months
Details As Low As; Vehicle Year: 2025 - 2024; Loyalty APR; Minimum loan amount: $20,000; Requires $500+ monthly direct deposit to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage or credit card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 - Loyalty Loan	-	6.99%	85-96 months
Details As Low As; Vehicle Year: 2025 - 2024; Loyalty APR; Minimum loan amount: $30,000; Requires $500+ monthly direct deposit to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage or credit card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 Loan	-	6.99%	up to 72 months
Details As Low As; Vehicle Year: 2025 - 2024; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 Loan	-	7.24%	73-84 months
Details As Low As; Vehicle Year: 2025 - 2024; Minimum loan amount: $20,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan - Loyalty	-	7.24%	up to 72 months
Details Loyalty APR As Low As; Vehicle Year: 2023 - 2022; Member loyalty discount of 0.50% APR requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan or card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 - Loyalty Loan	-	7.49%	97-108 months
Details As Low As; Vehicle Year: 2025 - 2024; Loyalty APR; A Tiers Only; 2021 - 2024 Models Only; Minimum loan amount: $50,000; Requires $500+ monthly direct deposit to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage or credit card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 Loan	-	7.49%	85-96 months
Details As Low As; Vehicle Year: 2025 - 2024; Minimum loan amount: $30,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025 - Loyalty	-	7.49%	up to 72 months
Details As Low As; Loyalty APR; Vehicle Year: 2025 - 2024; Loyalty discount only on new money new loans; not available on refinances or indirect loans; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan - Loyalty	-	7.49%	73-84 months
Details Loyalty APR As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount: $20,000; Member loyalty discount of 0.50% APR requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan or card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025 - Loyalty	-	7.74%	73-84 months
Details As Low As; Loyalty APR; Vehicle Year: 2025 - 2024; Minimum Loan Amount: $20,000; Loyalty discount only on new money new loans; not available on refinances or indirect loans; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan	-	7.74%	up to 72 months
Details As Low As; Vehicle Year: 2023 - 2022; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 - Loyalty Loan	-	7.99%	109-120 months
Details As Low As; Vehicle Year: 2025 - 2024; Loyalty APR; A Tiers Only; 2021 - 2024 Models Only; Minimum loan amount: $75,000; Requires $500+ monthly direct deposit to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage or credit card; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 Loan	-	7.99%	97-108 months
Details As Low As; Vehicle Year: 2025 - 2024; A Tiers Only; 2021 - 2024 Models Only; Minimum loan amount: $50,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2022-2021 - Loyalty Loan	-	7.99%	up to 60 months
Details As Low As; Vehicle Year: 2021 - 2020; Loyalty APR; Member Loyalty Loan Rate Discount of 0.50% APR applies with qualifying direct deposit and Cobalt account requirements Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025	-	7.99%	up to 72 months
Details As Low As; Vehicle Year: 2025 - 2024; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan	-	7.99%	73-84 months
Details As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount: $20,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2022-2021 - Loyalty Loan	-	8.24%	61-72 months
Details As Low As; Vehicle Year: 2021 - 2020; Loyalty APR; Member Loyalty Loan Rate Discount of 0.50% APR applies with qualifying direct deposit and Cobalt account requirements Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 - Loyalty Loan	-	8.24%	up to 72 months
Details As Low As; Loyalty APR; Vehicle Year: 2023 - 2022; Loyalty discount only on new money new loans; not available on refinances or indirect loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025	-	8.24%	73-84 months
Details As Low As; Vehicle Year: 2025 - 2024; Minimum Loan Amount: $20,000; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan	-	8.24%	85-96 months
Details As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount: $30,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - New 2026 & New or Used 2025 Loan	-	8.49%	109-120 months
Details As Low As; Vehicle Year: 2025 - 2024; A Tiers Only; 2021 - 2024 Models Only; Minimum loan amount: $75,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2022-2021 - Loyalty Loan	-	8.49%	73-84 months
Details As Low As; Vehicle Year: 2021 - 2020; Minimum Loan Amount for Term 73-84: $20,000; Loyalty APR; Member Loyalty Loan Rate Discount of 0.50% APR applies with qualifying direct deposit and Cobalt account requirements Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2022-2021 Loan	-	8.49%	up to 60 months
Details As Low As; Vehicle Year: 2021 - 2020; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 - Loyalty Loan	-	8.49%	73-84 months
Details As Low As; Loyalty APR; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 73-84: $20,000; Loyalty discount only on new money new loans; not available on refinances or indirect loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025	-	8.49%	85-96 months
Details As Low As; Vehicle Year: 2025 - 2024; Minimum Loan Amount: $30,000; Financing on 79-96 month terms available on loans exceeding $30,000 only; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2020-2018 - Loyalty Loan	-	8.74%	up to 60 months
Details As Low As; Vehicle Year: 2019 - 2017; Loyalty APR (Annual Percentage Rate); 0.50% member loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; new money loans only; not for refinances or indirect loans; limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2022-2021 Loan	-	8.74%	61-72 months
Details As Low As; Vehicle Year: 2021 - 2020; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 - Loyalty Loan	-	8.74%	85-96 months
Details As Low As; Loyalty APR; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 84-96: $30,000; Loyalty discount only on new money new loans; not available on refinances or indirect loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 Loan	-	8.74%	up to 72 months
Details As Low As; Vehicle Year: 2023 - 2022; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan	-	8.74%	97-108 months
Details As Low As; Vehicle Year: 2023 - 2022; A Tiers Only; 2021 - 2024 Models Only; Minimum Loan Amount: $50,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2020-2018 - Loyalty Loan	-	8.99%	61-66 months
Details As Low As; Vehicle Year: 2019 - 2017; Loyalty APR (Annual Percentage Rate); 0.50% member loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; new money loans only; not for refinances or indirect loans; limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2022-2021 Loan	-	8.99%	73-84 months
Details As Low As; Vehicle Year: 2021 - 2020; Minimum Loan Amount for Term 73-84: $20,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 Loan	-	8.99%	73-84 months
Details As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 73-84: $20,000; Financing on 79-96 month terms available on loans exceeding $30,000 only Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025	-	8.99%	97-108 months
Details As Low As; Vehicle Year: 2025 - 2024; Minimum Loan Amount: $50,000; A Tiers Only; 2021 - 2024 Models Only; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Used 2022-2021 - Loyalty	-	8.99%	up to 60 months
Details As Low As; Vehicle Year: 2021 - 2020; Loyalty discount only on new money new loans; not available on refinances or indirect loans; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2020-2018 - Loyalty Loan	-	9.24%	67-72 months
Details As Low As; Vehicle Year: 2019 - 2017; Loyalty APR (Annual Percentage Rate); 0.50% member loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; new money loans only; not for refinances or indirect loans; limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2020-2018 Loan	-	9.24%	up to 60 months
Details As Low As; Vehicle Year: 2019 - 2017; APR (Annual Percentage Rate); final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 - Loyalty Loan	-	9.24%	97-108 months
Details As Low As; Loyalty APR; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 97-108: $50,000; A Tiers Only; 2021-2024 Models Only; Loyalty discount only on new money new loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 Loan	-	9.24%	85-96 months
Details As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 84-96: $30,000; Financing on 79-96 month terms available on loans exceeding $30,000 only Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Used 2022-2021 - Loyalty	-	9.24%	61-72 months
Details As Low As; Vehicle Year: 2021 - 2020; Loyalty discount only on new money new loans; not available on refinances or indirect loans; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Boats & Motorcycles Loan	-	9.24%	109-120 months
Details As Low As; Vehicle Year: 2023 - 2022; A Tiers Only; 2021 - 2024 Models Only; Minimum Loan Amount: $75,000; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2020-2018 Loan	-	9.49%	61-66 months
Details As Low As; Vehicle Year: 2019 - 2017; APR (Annual Percentage Rate); final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles Loan - Used 2017 and older - Loyalty	-	9.49%	up to 36 months
Details As Low As; Loyalty APR; Vehicle Year: 2016 and older; 0.50% APR member loyalty discount applied; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - New 206 & New or Used 2025	-	9.49%	109-120 months
Details As Low As; Vehicle Year: 2025 - 2024; Minimum Loan Amount: $75,000; A Tiers Only; 2021 - 2024 Models Only; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Used 2022-2021	-	9.49%	up to 60 months
Details As Low As; Vehicle Year: 2021 - 2020; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles - Used 2020-2018 Loan	-	9.74%	67-72 months
Details As Low As; Vehicle Year: 2019 - 2017; APR (Annual Percentage Rate); final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles Loan - Used 2017 and older - Loyalty	-	9.74%	37-48 months
Details As Low As; Loyalty APR; Vehicle Year: 2016 and older; 0.50% APR member loyalty discount applied; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2020-2018 - Loyalty Loan	-	9.74%	up to 60 months
Details As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Loyalty discount only on new money new loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 - Loyalty Loan	-	9.74%	109-120 months
Details As Low As; Loyalty APR; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 109-120: $75,000; A Tiers Only; 2021-2024 Models Only; Loyalty discount only on new money new loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 Loan	-	9.74%	97-108 months
Details As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 97-108: $50,000; A Tiers Only; 2021-2024 Models Only Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Used 2022-2021	-	9.74%	61-72 months
Details As Low As; Vehicle Year: 2021 - 2020; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles Loan - Used 2017 and older	-	9.99%	up to 36 months
Details As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2020-2018 - Loyalty Loan	-	9.99%	61-72 months
Details As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Loyalty discount only on new money new loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Used 2022-2021	-	9.99%	73-84 months
Details As Low As; Vehicle Year: 2021 - 2020; Minimum Loan Amount for Term 73-84: $20,000; Rates effective as of July 01, 2026; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles Loan - Used 2017 and older	-	10.24%	37-48 months
Details As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2020-2018 - Loyalty Loan	-	10.24%	73-84 months
Details As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Loyalty discount only on new money new loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2020-2018 Loan	-	10.24%	up to 60 months
Details As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2024-2023 Loan	-	10.24%	109-120 months
Details As Low As; Vehicle Year: 2023 - 2022; Minimum Loan Amount for Term 109-120: $75,000; A Tiers Only; 2021-2024 Models Only Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Boats & Motorcycles Loan - Used 2017 and older	-	10.49%	49-60 months
Details As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2020-2018 Loan	-	10.49%	61-72 months
Details As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Loyalty	-	10.49%	up to 48 months
Details As Low As; Loyalty APR; Used 2017 and older; Vehicle Year: 2016 and older; New money new loans only; not available on refinances or indirect loans; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle - Used 2020-2018 Loan	-	10.74%	73-84 months
Details As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan - Loyalty	-	10.74%	49-60 months
Details As Low As; Loyalty APR; Used 2017 and older; Vehicle Year: 2016 and older; New money new loans only; not available on refinances or indirect loans; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan	-	10.99%	up to 48 months
Details As Low As; Used 2017 and older; Vehicle Year: 2016 and older; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan	-	11.24%	49-60 months
Details As Low As; Used 2017 and older; Vehicle Year: 2016 and older; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Recreational Vehicle Loan	-	11.49%	61-72 months
Details As Low As; Used 2017 and older; Vehicle Year: 2016 and older; Rates effective as of July 01, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 10.49% → 11.49% ▲ 1.00 pts · high 11.49% / low 10.49% Oct 26, 202611.49%▲ from 10.49% Oct 19, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Cobalt Federal Credit Union’s Texas Ratio rose from 4.48% in Q3 2023 to 6.25% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	6.25%	5.0	A
March 31, 2026	$1.3B	5.54%	5.0	A+
December 31, 2025	$1.3B	6.69%	5.0	A
September 30, 2025	$1.3B	6.75%	5.0	A
June 30, 2025	$1.3B	6.72%	5.0	A
March 31, 2025	$1.3B	6.26%	5.0	A
December 31, 2024	$1.3B	7.96%	5.0	A
September 30, 2024	$1.3B	8.38%	5.0	A
June 30, 2024	$1.3B	6.29%	5.0	A
March 31, 2024	$1.3B	5.73%	5.0	A+
December 31, 2023	$1.3B	6.58%	5.0	A
September 30, 2023	$1.3B	4.48%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cobalt Federal 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 Cobalt Federal 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 Cobalt Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cobalt Federal Credit Union

Website https://www.cobaltcu.com

Address 7148 Towne Center Pkwy, Papillion, NE 68046

Phone 402-292-8000

Fax 402-829-0149

President Julia Cronin-Gilmore

CEO Robin Larsen

Full-Time Employees 216

Part-Time Employees 8

Branch Locations 19

ATM Locations 19

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.25%

Return on Assets (ROA)

0.4374%

Return on Equity (ROE)

4.7800%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

1,330,801,329

Total Amount of Shares and Deposits

1,148,013,517

Total Shares and Deposits < 1 Year

1,109,064,839

Total Shares and Deposits 1 3 Years

35,860,121

Total Shares and Deposits > 3 Years

3,088,557

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

82,400,619

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

82,400,619

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

1,065,612,898

Total Interest Expense (Sum of items 6 8)

11,223,263

Share Certificates

7,139

Number of Accounts for Share Drafts

60,813

IRA KEOGH Accounts

2,393

Number of Accounts for Regular Shares

135,265

All other shares

542

Non Member Deposits

Money Market Shares

4,900

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

27,273,224

Total Liabilities

1,213,328,805

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Cobalt Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Cobalt Federal Credit Union

Does Cobalt Federal Credit Union offer CDs?

Yes. Cobalt Federal Credit Union current CD rates include its 24 Month CD and IRA - Member Loyalty at 4.25% APY, its Baby Bundle CD 24 Month at 4.00% APY and its CD - 6 month - Member Loyalty at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Cobalt Federal Credit Union NCUA insured?

Yes. Cobalt Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Cobalt Federal Credit Union?

The highest Cobalt Federal Credit Union CD rate is its 24 Month CD and IRA - Member Loyalty at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Cobalt Federal Credit Union offer?

Cobalt Federal Credit Union CD rates are 3.95% APY for a 6 month CD, 3.80% APY for a 12 month CD, 3.05% APY for an 18 month CD, 4.00% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Cobalt Federal Credit Union for its full lineup.

What is the highest savings rate at Cobalt Federal Credit Union?

The highest Cobalt Federal Credit Union savings rate is its Online Prime Savings at 2.90% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Cobalt Federal Credit Union?

The highest Cobalt Federal Credit Union money market rate is its Personal Prime Money Market Account at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Cobalt Federal Credit Union?

The highest Cobalt Federal Credit Union checking rate is its Cobalt Elite Checking Account at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Cobalt Federal Credit Union?

The lowest Cobalt Federal Credit Union auto loan rate is its Auto Loan - New 2026 & New/Used 2025 - Loyalty at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Cobalt Federal Credit Union operate?

Cobalt Federal 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 Cobalt Federal Credit Union?

Yes, to access services at Cobalt Federal 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, Cobalt Federal 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, Cobalt Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cobalt Federal Credit Union offer online and mobile banking?

Most modern institutions like Cobalt Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cobaltcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Cobalt Federal Credit Union rates compare?

Cobalt Federal Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A health rating. Cobalt Federal Credit Union's top rates are its 24 Month CD and IRA - Member Loyalty at 4.25% APY, its Online Prime Savings at 2.90% APY, its Personal Prime Money Market Account at 3.25% APY, its Cobalt Elite Checking Account at 3.25% APY and its Auto Loan - New 2026 & New/Used 2025 - Loyalty at 4.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Cobalt Federal Credit Union Rates

12-Month CD3.80%
18-Month CD3.05%
24-Month CD4.00%
60-Month CD2.75%
Savings2.90%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

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Cobalt Federal Credit Union Rates & Review November 2026

Brian McKay

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Cobalt Federal Credit Union Checking Rates

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Frequently Asked Questions About Cobalt Federal Credit Union

Does Cobalt Federal Credit Union offer CDs?

Are CDs from Cobalt Federal Credit Union NCUA insured?

What is the highest CD rate at Cobalt Federal Credit Union?

What CD terms does Cobalt Federal Credit Union offer?

What is the highest savings rate at Cobalt Federal Credit Union?

What is the highest money market rate at Cobalt Federal Credit Union?

What is the highest checking rate at Cobalt Federal Credit Union?

What is the lowest auto loan rate at Cobalt Federal Credit Union?

How many branches does Cobalt Federal Credit Union operate?

Is a member application needed to join Cobalt Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cobalt Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Cobalt Federal Credit Union rates compare?

Current Cobalt Federal Credit Union Rates

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