Credit union · NCUA insured
Cobalt Credit Union Savings Rates
Top CarrotCobalt Credit Union’s best savings rate is 2.90% APY on $10,000, with its Online Prime Savings. Rates checked October 22, 2026.
How Cobalt Credit Union’s savings 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
2.90%APY
- Minimum
- —
- Earns on $10,000 a year
- $290
Online Prime Savings
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Minimum
- $100
- Earns on $10,000 a year
- $346
Cobalt Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.90%
- $10,000 balance$10,0002.90%
- $100,000 balance$100,0002.90%
- QualifiedQualified2.90%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Personal Prime Money Market Account
0.10%APY
Variable rate based on Wall Street Journal (WSJ) Prime Rate minus 3.75% with a 0.30% floor rate; adjusts the following business day if WSJ Prime Rate changes. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate applied if eligibility requirements (average daily balance of at least $20,000 and monthly direct deposit of at least $500) are not met. | 0.10% | $10 | Rate applied if eligibility requirements (average daily balance of at least $20,000 and monthly direct deposit of at least $500) are not met. |
| $20,000 and upRequires maintaining an average daily balance of at least $20,000 and making at least one direct deposit transaction of at least $500 each month. | 3.25% | — | Requires maintaining an average daily balance of at least $20,000 and making at least one direct deposit transaction of at least $500 each month. |
Online Prime Savings
Up to 2.90%APY
Variable-rate account opened online. Rate tracks the Wall Street Journal Prime Rate minus 4.10% with a minimum floor rate of 0.30%. Enrolled in digital banking with eStatements. Maximum of six withdrawals allowed per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Account balances below $1,000 do not earn APY and will be assessed a $10 monthly service fee. | 0.00% | — | Account balances below $1,000 do not earn APY and will be assessed a $10 monthly service fee. |
| $1,000 and upTo earn disclosed APY, must maintain an average daily balance at least equal to $1,000, opt-in to receive e-statements, and open the account online. Dividend rate and APY based on WSJ Prime Rate minus 4.10% with a 0.30% floor rate. | 2.90% | $290 | To earn disclosed APY, must maintain an average daily balance at least equal to $1,000, opt-in to receive e-statements, and open the account online. Dividend rate and APY based on WSJ Prime Rate minus 4.10% with a 0.30% floor rate. |
| $1,000 and upRate current as of 10/14/2026 on Prime Online Savings page. In order to earn disclosed APY, must maintain average daily balance at least equal to $1,000 and enroll in digital banking with eStatements. | 2.65% | $265 | Rate current as of 10/14/2026 on Prime Online Savings page. In order to earn disclosed APY, must maintain average daily balance at least equal to $1,000 and enroll in digital banking with eStatements. |
Sources (3)
- cobaltcu.com/bank/deposit-rates
- cobaltcu.com/prime-online-savings-account
- cobaltcu.com/sites/default/fil…20Schedule%20DEC2025.pdf
All captured Oct 15, 2026
Savings
0.10%APY on $10,000
Free ATM card. Borrow against your account balance. Dividend rates compounded quarterly. Establishing Cobalt Credit Union membership.
| Part of the balance | Rate on that part |
|---|---|
| Any balance | 0.10% |
On $10,000 the tiers blend to about 0.10% APY, earning $10 a year.
Special-purpose accounts
Health Savings Account
0.25%APY
Combines a high-deductible health insurance plan with a tax-exempt savings account. Must be younger than 65 years old and have high-deductible health coverage.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited monthly. Rate and APY as of the last dividend declaration date.Any balance | 0.25% | $25 | Compounded and credited monthly. Rate and APY as of the last dividend declaration date. |
Holiday Club Account
0.25%APY
Matures annually on November 1st. Early withdrawal penalty applies. Dividend rates compounded annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate and APY as of the last dividend declaration date. Rate compounded annually. Matures on November 1st.Any balance | 0.25% | $25 | Dividend rate and APY as of the last dividend declaration date. Rate compounded annually. Matures on November 1st. |
Vacation Club Account
0.25%APY
Matures annually on May 1st. Early withdrawal penalty applies. Dividend rates compounded annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate and APY as of the last dividend declaration date. Rate compounded annually. Matures on May 1st.Any balance | 0.25% | $25 | Dividend rate and APY as of the last dividend declaration date. Rate compounded annually. Matures on May 1st. |
Personal and IRA Money Market Account
0.08%APY on $10,000
Only the deposited funds that comprise each tier earn the rate for that tier. Dividend rates and APY may change every dividend period as determined by the Board of Directors.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 0.00% |
| $2,500 – $25,000 | 0.10% |
| $25,000 – $50,000 | 0.15% |
| $50,000 – $100,000 | 0.20% |
| $100,000 and up | 0.25% |
On $10,000 the tiers blend to about 0.08% APY, earning $8 a year.
Sources (3)
- cobaltcu.com/sites/default/fil…anking_Tri-Fold_2.26.pdf
- cobaltcu.com/bank/deposit-rates
- cobaltcu.com/sites/default/fil…20Schedule%20DEC2025.pdf
All captured Oct 15, 2026
Who can join Cobalt Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.