Full Service Financial Solutions

Personal or Business Checking

Personal or Business Savings & CDs

Youth Accounts

Personal or Business Credit Cards

Personal or Business Loans or Lines of Credit

Business Services


Extra benefits of being a Cobalt member

Free Notary Services

Free Card Manager app to control your debit card

Online & Mobile Banking, e-statements

Free debit card

Document Shred Events

Free Seminars and Webinars


Learn from the experts

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Cobalt in the Community

What’s going on at Cobalt?

Home Equity Loans and Lines of Credit
for your next big adventure!

Start Your Financing

18 Month
Certificate of Deposit (CD)

Check Rates

Lock & Shop
60 day lock with drop option

LEarn More 

Accept The Invitations
Skip A Payment

Apply Here

Save As You Spend
Round Up

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You & Your Friend
Get $50

Refer A Friend

Our Members are happy. Here's what they are saying:

We have been members since 1992 and have lived in Alabama most of that time.  Working long distance with SAC/COBALT has always been easy.  I love talking with folks back in the Heartland. They are warm, friendly and efficient.


I have always received excellent service, since I joined in 1971 when it was SAC Federal Credit Union. I have never had any problems at any of the Cobalt branches and your employees are very friendly, helpful and knowledgeable.


Employees are always very friendly and professional at both lobby and drive thru. Been members for 26 years and are very happy.


I've always had the best service no matter what branch.


Tellers were professional and helpful. I prefer to go here for business because of them