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 Cobalt Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Cobalt Federal Credit Union's 6 month CD rates are at 3.95%, 6 Month Business Term CD rates are at 3.95%, 12 month CD and IRA Account rates are at 3.90%, 12 Month Business Term CD rates are at 3.90%, 6 month CD rates are at 3.85%. Cobalt Federal Credit Union's savings rates are at 0.10%. Cobalt Federal Credit Union's money market rates are at 0.00%. Cobalt Federal Credit Union's Personal Loan Rates are at 5.59%. 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 7.59%. Rates were last updated on 04/18/2026. 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. Cobalt Federal Credit Union
Headquarters 7148 Towne Center Pkwy
https://www.cobaltcu.com Papillion, NE 68046 
Cobalt Federal Credit Union CD Rates
Cobalt Federal Credit Union Savings Rates
Cobalt Federal Credit Union Money Market Rates
Cobalt Federal Credit Union Checking Rates
Cobalt Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
244
Part-Time Employees
3
Branch Locations
21
ATM Locations
26
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.59%
Return on Assets (ROA)
0.5495%
Return on Equity (ROE)
6.1992%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
1,310,587,869
Total Amount of Shares and Deposits
1,130,581,817
Total Shares and Deposits < 1 Year
1,083,601,531
Total Shares and Deposits 1 3 Years
43,702,651
Total Shares and Deposits > 3 Years
3,277,635
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
81,559,218
Total Uninsured Shares and Deposits > $250K (F+J)
81,559,218
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,049,022,599
Total Interest Expense (Sum of items 6 8)
19,393,333
Share Certificates
7,418
Number of Accounts for Share Drafts
62,223
IRA KEOGH Accounts
2,618
Number of Accounts for Regular Shares
138,723
All other shares
536
Non Member Deposits
10
Money Market Shares
4,757
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
32,991,635
Total Liabilities
1,199,041,949
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Cobalt Federal Credit UnionIs Cobalt Federal Credit Union a safe place to deposit money?Yes, Cobalt Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.5913808055416%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 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
Retrieved from our database of financial products. Rates subject to change.
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