Credit union · NCUA insured
Cobalt Credit Union CD Rates
Top CarrotCobalt Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Cobalt Credit Union’s CD rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Cobalt Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cobalt Credit Union
4.10%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $203
Certificate
Top rate
Metro Credit Union
4.55%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $971
2nd-highest rate
First Westroads Bank
4.55%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,948
Cobalt Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo2.90%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cobalt Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 4.10%APY · 8 terms
7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 4.10% | 4.20% | 4.10%4.20% from $100k | $203 |
| 6 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.95% | 4.05% | 3.95%4.05% from $100k | $196 |
| 12 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 4.05% | 4.15% | 4.05%4.15% from $100k | $405 |
| 12 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.90% | 4.00% | 3.90%4.00% from $100k | $390 |
| 18 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.40% | 3.50% | 3.40%3.50% from $100k | $514 |
| 18 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.25% | 3.35% | 3.25%3.35% from $100k | $491 |
| 24 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.35% | 3.45% | 3.35%3.45% from $100k | $681 |
| 24 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.20% | 3.30% | 3.20%3.30% from $100k | $650 |
| 30 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.15% | 3.25% | 3.15%3.25% from $100k | $806 |
| 30 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.00% | 3.10% | 3.00%3.10% from $100k | $767 |
| 36 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.05% | 3.15% | 3.05%3.15% from $100k | $943 |
| 36 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $895 |
| 48 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.05% | 3.15% | 3.05%3.15% from $100k | $1,277 |
| 48 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $1,211 |
| 60 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.05% | 3.15% | 3.05%3.15% from $100k | $1,621 |
| 60 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $1,537 |
Sources (3)
All captured Oct 15, 2026
Baby Bundle Certificates
Up to 3.90%APY · 2 terms
Helps families set up savings for newest family members. Early withdrawal penalty applies. Compounded monthly.
| Term | APY · $25 and up | APY · $50 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsCompounded monthly. Early withdrawal penalty applies | 3.90% | — | 3.90% | $390 |
| 24 monthsCompounded monthly. Early withdrawal penalty applies | — | 3.20% | 3.20% | $650 |
Bump Up Share Certificate
2.90%APY · 1 term
Dividends compounded quarterly. Early withdrawal penalty applies. Minimum opening deposit $1,000.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsCompounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $895 |
Sources (1)
- cobaltcu.com/bank/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.05%APY · 7 terms
IRA Certificate accounts. 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 4.05% | 4.15% | 4.05%4.15% from $100k | $405 |
| 12 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.90% | 4.00% | 3.90%4.00% from $100k | $390 |
| 18 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.40% | 3.50% | 3.40%3.50% from $100k | $514 |
| 18 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.25% | 3.35% | 3.25%3.35% from $100k | $491 |
| 24 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.35% | 3.45% | 3.35%3.45% from $100k | $681 |
| 24 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.20% | 3.30% | 3.20%3.30% from $100k | $650 |
| 30 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.15% | 3.25% | 3.15%3.25% from $100k | $806 |
| 30 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 3.00% | 3.10% | 3.00%3.10% from $100k | $767 |
| 36 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.05% | 3.15% | 3.05%3.15% from $100k | $943 |
| 36 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $895 |
| 48 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.05% | 3.15% | 3.05%3.15% from $100k | $1,277 |
| 48 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $1,211 |
| 60 monthsMember Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing | 3.05% | 3.15% | 3.05%3.15% from $100k | $1,621 |
| 60 monthsStandard rate. Dividends compounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $1,537 |
Bump Up IRA Certificate
2.90%APY · 1 term
Dividends compounded quarterly. Early withdrawal penalty applies. Minimum opening deposit $1,000.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsCompounded quarterly. Early withdrawal penalty applies | 2.90% | 3.00% | 2.90%3.00% from $100k | $895 |
Sources (1)
- cobaltcu.com/bank/deposit-rates · captured Oct 15, 2026
Who can join Cobalt Credit Union
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