Why should I join a credit union?

The biggest difference between banks and Cobalt Credit Union is that we work for you, not stockholders. We’re member-owned and focused on the best interests of our members. Because of our structure, we’re able to offer higher dividends, lower interest rates and fewer fees.

Become A Member

Who can join Cobalt Credit Union?

If we didn’t already work here, we’d want to join Cobalt Credit Union, too. Good news: You probably can!

You can join Cobalt Credit Union if:


  1. You or your immediate family member* are employed by or a retiree of SpartanNash
  2. You or your immediate family member* is already a member of Cobalt Credit Union
  3. You or your immediate family member* live, work, worship, attend school, or regularly do business in:
  • Cass County, NE
  • Dodge County, NE
  • Douglas County, NE
  • Sarpy County, NE
  • Saunders County, NE
  • Washington County, NE
  • Pottawattamie County, IA
  • Harrison County, IA
  • Mills County, IA
  • Shelby County, IA
  • Monona County, IA
  • Crawford County, IA
  • Carroll County, IA
  • Ida County, IA
  • Sac County, IA


Businesses and other entities qualify if they are located within any of the fifteen counties.

*Immediate family member is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings and adoptive relationships. For specific eligibility requirements contact a representative.

How to join Cobalt Credit Union

Open a Cobalt Credit Union Share Savings account, with a minimum initial deposit of only $5, to establish yourself as a credit union member. Once you are a member, you can sign up for one of our checking accounts, opt-in to our member plus program, and apply for a credit card or loan.

Check Rates     Become A Member


To learn more about the difference between banks and credit unions visit our blog

Have questions about Cobalt Credit Union? Drop us a line.
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