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

Current rates for Cobalt Federal Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.25%, 24-Month CD: 3.20%, 60-Month CD: 2.90%, Savings: 2.90%, MMA: 3.25%

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Cobalt Federal Credit Union

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Cobalt Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Cobalt Federal Credit Union's top rates as of October 9, 2026 are 4.05% APY on its 6 Month Business Term CD, 2.90% APY on savings, 3.25% APY on money market accounts, 3.25% APY on checking, and auto loans from 4.99% APR, according to rates verified by MonitorBankRates. Other Cobalt Federal Credit Union CD rates include 6 Month CD at 4.05%, 12 Month Business Term CD at 4.00%, and 6 Month Business Term CD at 3.95%. 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 10/09/2026.

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 Q2 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
6 Month Certificate	3.99%	4.05%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details Member Loyalty APY: 4.20%; Period: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
6 Month Certificate	3.89%	3.95%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Member Loyalty APY: 4.10%; Period: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Baby Bundle Certificate	3.83%	3.90%	12 Month
Min Deposit $25 Details Period*: Monthly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Baby Bundle Certificate	3.15%	3.20%	24 Month
Min Deposit $50 Details Period*: Monthly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Bump Up Share and Bump Up IRA Certificate	2.97%	3.00%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Bump Up Share and Bump Up IRA Certificate	2.87%	2.90%	36 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99; Period: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Business CD Rates

Product	Rate	APY	Term
6 Month Business Term Share Certificate	3.99%	4.05%	6 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
12 Month Business Term Share Certificate	3.94%	4.00%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
6 Month Business Term Share Certificate	3.89%	3.95%	6 Month
Min Balance $1 Details Balance: $1.00.00-99.999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 7 times 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 $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Business Term Share Certificate	3.31%	3.35%	18 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Business Term Share Certificate	3.26%	3.30%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
18 Month Business Term Share Certificate	3.21%	3.25%	18 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
24 Month Business Term Share Certificate	3.16%	3.20%	24 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Business Term Share Certificate	3.06%	3.10%	30 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
30 Month Business Term Share Certificate	2.97%	3.00%	30 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Business Term Share Certificate	2.97%	3.00%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times 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 $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Business Term Share Certificate	2.97%	3.00%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
36 Month Business Term Share Certificate	2.87%	2.90%	36 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
48 Month Business Term Share Certificate	2.87%	2.90%	48 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
60 Month Business Term Share Certificate	2.87%	2.90%	60 Month
Min Balance $1,000 Details Balance: $1,000.00-99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 5 times 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 10/09/2026 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 Period*: Monthly Last Updated 10/09/2026 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%
Holiday Club Account	0.25%	0.25%
No additional details. Last Updated 10/09/2026 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%
Vacation Club Account	0.25%	0.25%
No additional details. Last Updated 10/09/2026 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%
Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0-$25,000 & greater; Period: Quarterly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Share Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0-1,999.99; Period*: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Business Share Savings	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000-24,999.99; Period*: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Business Share Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 & greater; Period*: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times 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 & greater; Period: Monthly Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal Money Market Account	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.00 & greater; Period: Monthly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal Money Market Account	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000.00-99,999.99; Period: Monthly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Money Market Account	0.15%	0.15%
Min Deposit $25 Min Balance $20,000 Details Minimum opening deposit of $25. Must maintain minimum average daily balance of $2,500 to receive Premium APY. Premium APY of 3.25% on balances up to $20,000 if account-specific qualifications are met and 0.15% APY on dollar amounts above $20,000 or account-specific qualifications are not met. Account-specific qualifications: At least one monthly direct deposit transaction of $500 or more into a Cobalt account, opt-in to receive e-statements, and 15 monthly debit card purchases equaling at least $500. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal Money Market Account	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00-49,999.99; Period: Monthly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal Money Market Account	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00-24,999.99; Period: Monthly Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Personal Prime Money Market Account	0.10%	0.10%
Details Accounts not meeting qualifications; Period: Monthly Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 5 times 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 Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Amount: $2,500.00-20,000.00; Period: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 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 Balance: $0-10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Cobalt Blue Checking Account	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.01 and greater Last Updated 10/09/2026 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%
Cobalt Elite Checking Account	0.15%	0.15%
Min Balance $20,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Amount: 20,000.01 and greater; Period: Monthly Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%	10 Year Draw
Details As low as 4.49% fixed for 6 months variable thereafter; Loyalty APR: As low as 3.99% fixed for 6 months variable thereafter Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 7.00% ▲ 2.51 pts · high 7.00% / low 4.49% Sep 21, 20267.00%▲ from 4.49% Sep 14, 20264.49%first recorded 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
New 2026 & New or Used 2025 Auto Loan	-	-	4.99%	up to 48 months
Details As Low As*; Loyalty APR: 4.49% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024 - 2023 Auto Loan	-	-	4.99%	up to 48 months
Details As Low As*; Loyalty APR: 4.49% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
2025 - 2024 Auto Loan	-	-	5.24%	49-60 months
Details As Low As; Loyalty APR: 4.74% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Sep 18, 20265.24%▲ from 4.74%* Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024 - 2023 Auto Loan	-	-	5.24%	49-60 months
Details As Low As*; Loyalty APR: 4.74% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
2025 - 2024 Auto Loan	-	-	5.49%	61-72 months
Details As Low As*; Loyalty APR: 4.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024 - 2023 Auto Loan	-	-	5.49%	61-72 months
Details As Low As*; Loyalty APR: 4.99% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
2025 - 2024 Auto Loan	-	-	5.74%	73-84 months
Details As Low As; Loyalty APR: 5.24%; * Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024 - 2023 Auto Loan	-	-	5.74%	73-84 months
Details As Low As; Loyalty APR: 5.24%; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020 - 2018 Auto Loan	-	-	6.74%	up to 60 months
Details As Low As; Loyalty APR: 6.24% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 Auto Loan	-	-	6.89%	61-66 months
Details As Low As; Loyalty APR: 6.39% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 6.89% ▼ 2.60 pts · high 9.49% / low 6.89% Oct 9, 20266.89%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 Auto Loan	-	-	7.14%	67-72 months
Details As Low As; Loyalty APR: 6.64% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.74% → 7.14% ▼ 2.60 pts · high 9.74% / low 7.14% Oct 9, 20267.14%▼ from 9.74% Sep 14, 20269.74%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
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	6.49%	up to 72 months
Details Vehicle Year: 2025 - 2024; Loyalty APR as low as*; As Low As; * Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	6.74%	73-84 months
Details Vehicle Year: 2025 - 2024; Loyalty APR as low as**; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	6.99%	85-96 months
Details Vehicle Year: 2025 - 2024; Loyalty APR as low as**; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	6.99%	up to 72 months
Details Vehicle Year: 2025 - 2024; APR as low as*; As Low As; * Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	7.24%	73-84 months
Details Vehicle Year: 2025 - 2024; APR as low as**; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	7.24%	up to 72 months
Details Vehicle Year: 2023 - 2022*; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	7.49%	85-96 months
Details Vehicle Year: 2025 - 2024; APR as low as**; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	7.49%	97-108 months
Details Vehicle Year: 2025 - 2024; Loyalty APR as low as*; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	7.49%	up to 72 months
Details Vehicle Year: 2025 - 2024; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	7.49%	73-84 months
Details Vehicle Year: 2023 - 2022*; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	7.74%	73-84 months
Details Vehicle Year: 2025 - 2024; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	7.74%	up to 72 months
Details Vehicle Year: 2023 - 2022* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	7.74%	85-96 months
Details Vehicle Year: 2023 - 2022*; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	7.99%	97-108 months
Details Vehicle Year: 2025 - 2024; APR as low as*; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	7.99%	109-120 months
Details Vehicle Year: 2025 - 2024; Loyalty APR as low as*; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	7.99%	up to 72 months
Details Vehicle Year: 2025 - 2024; As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	7.99%	85-96 months
Details Vehicle Year: 2025 - 2024; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2021-2020 BoatsMotorcycles Loan	-	7.99%	up to 60 months
Details Vehicle Year: 2021 - 2020; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	7.99%	73-84 months
Details Vehicle Year: 2023 - 2022* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	8.24%	73-84 months
Details Vehicle Year: 2025 - 2024; As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2021-2020 BoatsMotorcycles Loan	-	8.24%	61-72 months
Details Vehicle Year: 2021 - 2020; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	8.24%	85-96 months
Details Vehicle Year: 2023 - 2022* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	8.24%	97-108 months
Details Vehicle Year: 2023 - 2022*; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	8.24%	up to 72 months
Details Vehicle Year: 2023 - 2022; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles New 2026 & New or Used 2025 Loan	-	8.49%	109-120 months
Details Vehicle Year: 2025 - 2024; APR as low as*; As Low As; Rates are subject to change without notice. Rates are based on creditworthiness and underwriting. All loans require credit approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	8.49%	85-96 months
Details Vehicle Year: 2025 - 2024; As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	8.49%	97-108 months
Details Vehicle Year: 2025 - 2024; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2021-2020 BoatsMotorcycles Loan	-	8.49%	up to 60 months
Details Vehicle Year: 2021 - 2020 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2021-2020 BoatsMotorcycles Loan	-	8.49%	73-84 months
Details Vehicle Year: 2021 - 2020; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	8.49%	73-84 months
Details Vehicle Year: 2023 - 2022; **; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 BoatsMotorcycles Loan	-	8.74%	up to 60 months
Details Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2021-2020 BoatsMotorcycles Loan	-	8.74%	61-72 months
Details Vehicle Year: 2021 - 2020 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	8.74%	97-108 months
Details Vehicle Year: 2023 - 2022* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	8.74%	109-120 months
Details Vehicle Year: 2023 - 2022*; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	8.74%	up to 72 months
Details Vehicle Year: 2023 - 2022 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	8.74%	85-96 months
Details Vehicle Year: 2023 - 2022; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	8.99%	97-108 months
Details Vehicle Year: 2025 - 2024; As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	8.99%	109-120 months
Details Vehicle Year: 2025 - 2024; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 BoatsMotorcycles Loan	-	8.99%	61-66 months
Details Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2021-2020 BoatsMotorcycles Loan	-	8.99%	73-84 months
Details Vehicle Year: 2021 - 2020 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	8.99%	73-84 months
Details Vehicle Year: 2023 - 2022; ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 BoatsMotorcycles Loan	-	9.24%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 BoatsMotorcycles Loan	-	9.24%	67-72 months
Details Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 BoatsMotorcycles Loan	-	9.24%	109-120 months
Details Vehicle Year: 2023 - 2022* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	9.24%	85-96 months
Details Vehicle Year: 2023 - 2022 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	9.24%	97-108 months
Details Vehicle Year: 2023 - 2022; ***; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles - Used 2017 and older Loan	-	9.49%	up to 36 months
Details Vehicle Year: 2016 and older; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
New or Used 2025 Recreational Vehicle Loan	-	9.49%	109-120 months
Details Vehicle Year: 2025 - 2024; As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 BoatsMotorcycles Loan	-	9.49%	61-66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2022-2021 Recreational Vehicle Loan	-	9.49%	up to 60 months
Details Loyalty APR: 8.99% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles - Used 2017 and older Loan	-	9.74%	37-48 months
Details Vehicle Year: 2016 and older; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2019 - 2017 BoatsMotorcycles Loan	-	9.74%	67-72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020-2018 Recreational Vehicle Loan	-	9.74%	up to 60 months
Details Vehicle Year: 2019 - 2017; Loyalty APR; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2022-2021 Recreational Vehicle Loan	-	9.74%	61-72 months
Details Loyalty APR: 9.24% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	9.74%	97-108 months
Details Vehicle Year: 2023 - 2022; *** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	9.74%	109-120 months
Details Vehicle Year: 2023 - 2022; ***; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles - Used 2017 and older Loan	-	9.99%	up to 36 months
Details Vehicle Year: 2016 and older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles - Used 2017 and older Loan	-	9.99%	49-60 months
Details Vehicle Year: 2016 and older; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020-2018 Recreational Vehicle Loan	-	9.99%	61-72 months
Details Vehicle Year: 2019 - 2017; Loyalty APR; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2022-2021 Recreational Vehicle Loan	-	9.99%	73-84 months
Details Loyalty APR: 9.49% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles - Used 2017 and older Loan	-	10.24%	37-48 months
Details Vehicle Year: 2016 and older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020-2018 Recreational Vehicle Loan	-	10.24%	up to 60 months
Details Vehicle Year: 2019 - 2017; As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020-2018 Recreational Vehicle Loan	-	10.24%	73-84 months
Details Vehicle Year: 2019 - 2017; Loyalty APR; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2024-2023 Recreational Vehicle Loan	-	10.24%	109-120 months
Details Vehicle Year: 2023 - 2022; *** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
BoatsMotorcycles - Used 2017 and older Loan	-	10.49%	49-60 months
Details Vehicle Year: 2016 and older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020-2018 Recreational Vehicle Loan	-	10.49%	61-72 months
Details Vehicle Year: 2019 - 2017; As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2020-2018 Recreational Vehicle Loan	-	10.74%	73-84 months
Details Vehicle Year: 2019 - 2017; As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Cobalt Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Used 2016 and older Loan	-	-	8.64%	37-48 months
Details As Low As; Loyalty APR: 8.14% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2016 and older Loan	-	-	10.29%	49-60 months
Details As Low As; Loyalty APR: 9.79% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	8.59%	up to 36 months
Details As Low As; Loyalty APR: 8.09% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 9.49% → 8.59% ▼ 0.90 pts · high 9.99% / low 8.59% Oct 9, 20268.59%▼ from 9.99% Sep 21, 20269.99%▲ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	10.99%	up to 48 months
Details Vehicle Year: 2016 and older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	10.49%	up to 48 months
Details Vehicle Year: 2016 and older; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	11.24%	49-60 months
Details Vehicle Year: 2016 and older Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 11.24% ▲ 0.75 pts · high 11.24% / low 10.49% Oct 9, 202611.24%▲ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	10.74%	49-60 months
Details Vehicle Year: 2016 and older; Loyalty APR Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 10.74% ▲ 0.25 pts · high 10.74% / low 10.49% Oct 9, 202610.74%▲ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	11.49%	61-72 months
Details Vehicle Year: 2016 and older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
Used 2017 and older Loan	-	-	10.99%	61-72 months
Details Vehicle Year: 2016 and older; Loyalty APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR · checked 3 times 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Q2 2026 MBR Health & Safety Badge

Cobalt Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Cobalt Federal Credit Union

Frequently Asked Questions About Cobalt Federal Credit Union

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.

Current Cobalt Federal Credit Union Rates

12-Month CD3.90%
18-Month CD3.25%
24-Month CD3.20%
60-Month CD2.90%
Savings2.90%
MMA3.25%

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

Compare to Other Credit Unions

Cobalt Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cobalt Federal Credit Union Texas Ratio

Cobalt Federal Credit Union Health Trend

Cobalt Federal Credit Union CD Rates

Cobalt Federal Credit Union Business CD Rates

Cobalt Federal Credit Union Savings Rates

Cobalt Federal Credit Union Business Savings Rates

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Cobalt Federal Credit Union Checking Rates

Cobalt Federal Credit Union Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cobalt Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current Cobalt Federal Credit Union Rates

Compare to Other Credit Unions