Rates

Low rates. High satisfaction.

 

We keep our rates and fees competitive so you get the most out of your money. View detailed up-to-date rates for all of our products. For a complete list of current deposit rates and fees, click here.

Vehicle Loan Rates
Auto Rates
Year Term A+APR** A APR** B+ APR** B APR** C APR** D APR**
2021 & 2022 Vehicles Up to 84* Months 3.44- 3.94% 3.64-4.19% 4.24-4.99% 5.79-7.14% 11.74-13.24% 17.99%

Used Vehicles

 

Terms vary Based on Age and Rate Tier 3.49- 6.64% 3.74-6.89% 4.24-7.89% 5.84-8.74% 12.94-15.99% 17.99%

 

Recreational Vehicle Rates
Term Rate APR** Term
NEW
48 Months 7.25 7.25 48
49-96 Months 8.50 8.50 96
USED
48 Months 8.50 8.50 48
49-96 Months 9.50 9.50 96

 

Motorcycle Rates
Year Term A B C D E
New & 1 Year Old Motorcycles Up to 84 Months 3.99-9.10% 5.99-11.10% 8.99-13.60% 14.99-16.60% 17.99%
Used Motorcycles Up to 60 Months Based on Age 4.99-7.99% 6.99-8.99% 9.99-11.99% 15.99-16.99% 17.99%

 

Boat Rates
Year Term A APR** B APR** C APR** D APR** E APR**
New & 1 Year Old Boats Up to 84 Months Based on Age and Rate Tier 3.99-9.10% 5.99-11.10% 8.99-13.60% 14.99-16.60%

17.99%

Used Boats Up to 60 Months Based on Age 4.99-7.99% 6.99-8.99% 9.99-11.99% 15.99-16.99% 17.99%


Effective June 11, 2020
*79-84 months financing available on loans exceeding $30,000 only
***Maximum rate 18%

Personal Loan Rates
Personal Loan Rates
Term A+ APR** A APR** B+ APR** B APR** C APR** D APR** E APR**
Up to 24 Months 6.99% 8.49% 10.49% 11.49% 14.49% 17.49% 17.99%
25-36 Months 6.99% 8.99% 10.99% 11.99% 14.99% 17.99% 17.99%
37-48 Months 7.74% 9.24%

11.24%

12.24% 15.24% 17.99% 17.99%
49-60 Months 8.24% 9.49% 11.49% 12.49% 15.49% 17.99% 17.99%

 

Home Loan Rates
 
Home Equity Loan Rates
Term  APR***
Home Equity Line of Credit - Variable Rate
10 Year Draw

2.99% Fixed for 12 Months;
Variable Thereafter Ranging from 4.25% - 6.75%

10 Year Draw 3.99% Fixed for 60 Months;
Variable Thereafter Ranging from 4.25% - 6.75%
Home Equity Loans - Fixed Rate - 96-100% Loan to Value
0-60 Months 5.75%
61-108 Months 6.50%
109-180 Months 7.25%
Home Equity Loans - Fixed Rate - 91-95% Loan to Value
0-60 Months 5.25% - 5.50%
61-108 Months 6.00% - 6.25%
109-180 Months 6.75% - 7.00%
Home Equity Loans - Fixed Rate - 81-90% Loan to Value
0-60 Months 4.75% - 5.50%
61-108 Months 5.50% - 6.25%
109-180 Months 6.25% - 7.00%
Home Equity Loans - Fixed Rate - 80% or Lower Loan to Value
0-60 Months 3.50% - 8.00%
61-108 Months 4.25% - 7.25%
109-180 Months 5.00% - 6.50%

Account Disclosures

Effective May 6, 2021

** APR = Annual Percentage Rate. Vehicle Loan Rates are determined by individual credit profile, terms, and age of vehicle. Personal Loan Rates are determined by individual credit profile.

***APR=Annual Percentage Rate. Terms are based on creditworthiness, loan-to-value ratio, collateral condition and subject to approval requirements. Rates apply to owner-occupied, primary single-family residence only. Property must be insured (including flood insurance, when required). Minimum loan or line of credit amount is $10,000 and maximum amount is $150,000. There may be fees associated with this loan, and an appraisal may be required. The HELOC APR may vary after the introductory period and the rate adjusts monthly by a margin over Wall Street Journal Prime, with a maximum 20 year amortization with 10 year draw period and 10 year repayment term. Payments during draw period are interest only and fully amortized over the 10 year repayment period with a rate ceiling APR of 18% and a floor APR of 5.25%.  No annual fee or early termination fee.  Loans and lines of credit are available for Nebraska and Iowa properties within Cobalt Credit Union's lending area. Loan interest may be tax deductible. Please consult your tax advisor. Contact Cobalt Credit Union for available rates and terms for rental or investment properties.  Some limitations apply.