Credit union · NCUA insured
Cobalt Credit Union Auto Loan Rates
Top CarrotCobalt Credit Union auto loans start at 4.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Cobalt Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Cobalt Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cobalt Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Cobalt Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
By vehicle
- New vehicleNew4.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cobalt Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
All loans subject to credit and collateral approval. Final rate determined by credit score, vehicle age, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Vehicle year: New 2026 & New/Used 2025. Standard rate as low as. |
| up to 48 months | 4.49% | Vehicle year: New 2026 & New/Used 2025. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 49–60 months | 5.24% | Vehicle year: 2025 - 2024. Standard rate as low as. |
| 49–60 months | 4.74% | Vehicle year: 2025 - 2024. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 61–72 months | 5.49% | Vehicle year: New 2026 & New/Used 2025 schedule. Standard rate as low as. |
| 61–72 months | 4.99% | Vehicle year: New 2026 & New/Used 2025 schedule. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 73–84 months | 5.74% | Vehicle year: 2025 - 2024. Standard rate as low as. Financing on 79-84 month terms available on loans exceeding $25,000 only. |
| 73–84 months | 5.24% | Vehicle year: 2025 - 2024. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. Financing on 79-84 month terms available on loans exceeding $25,000 only. |
| up to 48 months | 5.49% | Vehicle year: Used 2022 - 2021. Standard rate as low as. |
| 49–60 months | 6.24% | Vehicle year: Used 2021 - 2020. Standard rate as low as. |
| 49–60 months | 5.74% | Vehicle year: Used 2021 - 2020. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 61–66 months | 6.49% | Vehicle year: Used 2021 - 2020. Standard rate as low as. |
| 61–66 months | 5.99% | Vehicle year: Used 2021 - 2020. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 67–72 months | 6.74% | Vehicle year: Used 2022 - 2021 schedule. Standard rate as low as. |
| 67–72 months | 6.24% | Vehicle year: Used 2022 - 2021 schedule. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| up to 60 months | 6.74% | Vehicle year: Used 2020 - 2018. Standard rate as low as. |
| up to 60 months | 6.24% | Vehicle year: Used 2020 - 2018. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 61–66 months | 6.89% | Vehicle year: Used 2019 - 2017. Standard rate as low as. |
| 61–66 months | 6.39% | Vehicle year: Used 2019 - 2017. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 67–72 months | 7.14% | Vehicle year: Used 2019 - 2017. Standard rate as low as. |
| 67–72 months | 6.64% | Vehicle year: Used 2019 - 2017. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| up to 36 months | 8.59% | Vehicle year: Used 2017 and older. Standard rate as low as. |
| up to 36 months | 8.09% | Vehicle year: Used 2017 and older. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 37–48 months | 8.64% | Vehicle year: Used 2016 and older. Standard rate as low as. |
| 37–48 months | 8.14% | Vehicle year: Used 2016 and older. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
| 49–60 months | 10.29% | Vehicle year: Used 2016 and older. Standard rate as low as. |
| 49–60 months | 9.79% | Vehicle year: Used 2016 and older. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing. |
Sources (1)
- cobaltcu.com/bank/loans/rates/auto-loan-rates · captured Oct 15, 2026
Who can join Cobalt Credit Union
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