Deposit Rates

Account Disclosure Rate Supplement

This supplement is incorporated into, becomes a part of and should be attached to the Agreements and Disclosures. 

Effective Date: 8/8/18 to 8/14/18

Share Savings (2)(3)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0-1,999.99 0.10% 0.10% Quarterly Quarterly Quarterly
2,000-24,999.99 0.10% 0.10% Quarterly Quarterly Quarterly
25,000 & greater 0.10% 0.10% Quarterly Quarterly Quarterly
Health Savings Account (2)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0 & greater 0.50% 0.50% Monthly Monthly Monthly
Workers Compensation Medicare Set-Aside Account (2)(3)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0-299.99 0.00% 0.00% Monthly Monthly Monthly
300.00 & greater 0.05% 0.05% Monthly Monthly Monthly
Prestige Checking (2)(3)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0-299.99 0.00% 0.00% Monthly Monthly Monthly
300.00 and greater 0.05% 0.05% Monthly Monthly Monthly
High Yield Checking Account (2)(3)(5)(6)(7)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0-10,000.00 2.22% 2.24% Monthly Monthly Monthly
10,000.01 and greater 0.05% 0.05% Monthly Monthly Monthly
Sharedraft Personal and IRA Money Market Account (2)(3)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0.01-2,499.99 0.00% 0.00% Monthly Monthly Monthly
2,500.00-24,999.99 0.10% 0.10% Monthly Monthly Monthly
25,000.00-49,999.99 0.15% 0.15% Monthly Monthly Monthly
50,000.00-99,999.99 0.20% 0.20% Monthly Monthly Monthly
$100,000.00 and greater 0.25% 0.25% Monthly Monthly Monthly
Sharedraft Personal Premier Money Market Account (2)(3)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
$0.00-2,500.00 0.00% 0.00% Monthly Monthly Monthly
25,000.01-100,000.00 0.50% 0.50% Monthly Monthly Monthly
100,000.01-250,000.00 0.75% 0.75% Monthly Monthly Monthly
250,000.01 & greater 1.00% 1.00% Monthly Monthly Monthly
Club Accounts (2)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
Vacation Club Account 0.50% 0.50% Annually Annually Annually
Holiday Club Account 0.50% 0.50% Annually Annually Annually
Baby Bundle Certificates (1)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
12 Month 0.60% 0.60% Monthly Monthly Monthly
24 Month 0.90% 0.90% Monthly Monthly Monthly
Term Share Certificates (1)(4)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
1 Month $25,000.00 & greater 0.15% 0.15% Monthly Monthly Monthly
3 Month $1,000.00-99,999.99 0.20% 0.20% Quarterly Quarterly Quarterly
100,000.00 & greater 0.25% 0.25% Quarterly Quarterly Quarterly
6 Month $1,000.00-99,999.99 1.19% 1.20% Quarterly Quarterly Quarterly
100,000.00 & greater 1.24% 1.25% Quarterly Quarterly Quarterly
Term Share and IRA Certificates (1)(4)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
12 Month $1,000.00-99,999.99 1.49% 1.50% Quarterly Quarterly Quarterly
100,000.00 & greater 1.54% 1.55% Quarterly Quarterly Quarterly
18 Month $1,000.00-99,999.99 2.18% 2.20% Quarterly Quarterly Quarterly
100,000.00 & greater 2.23% 2.25% Quarterly Quarterly Quarterly
24 Month $1,000.00-99,999.99 2.23% 2.25% Quarterly Quarterly Quarterly
100,000.00 & greater 2.33% 2.35% Quarterly Quarterly Quarterly
36 Month $1,000.00-99,999.99 2.33% 2.35% Quarterly Quarterly Quarterly
100,000.00 & greater 2.43% 2.45% Quarterly Quarterly Quarterly
48 Month $1,000.00-99,999.99 2.43% 2.45% Quarterly Quarterly Quarterly
100,000.00 & greater 2.53% 2.55% Quarterly Quarterly Quarterly
60 Month $1,000.00-99,999.99 2.72% 2.75% Quarterly Quarterly Quarterly
100,000.00 & greater 2.82% 2.85% Quarterly Quarterly Quarterly
Promotional Products
Bump Up Share and Bump Up IRA Certificate (1)(4)
  Dividend Rate Annual Percentage Yield Dividend Period Compounding Period Crediting Period
36 Month $1,000.00-99,999.99 2.33% 2.35% Quarterly Quarterly Quarterly
100,000.00 & greater 2.43% 2.45% Quarterly Quarterly Quarterly

(1) For the purposes of this disclosure, this is a rate and APY that was offered within the most recent 7 calendar days. The Dividend Rate(s) and Annual Percentage Yield(s) shown herein are current as of the effective date. For more current rates, please call (402) 292-8000.

(2) For the purposes of this disclosure, this is a rate and APY as of the last dividened declaration date. These Dividened Rate(s) and Annual Percentage Yield(s) shown herein may change every dividend period as determined by Our Board of Directors.

(3) Only the deposited funds that comprise each tier earn the rate for that tier.

(4) All deposited funds earn the rate for the tier that corresponds to the amount of the initial deposit.

(5) In order to receive dividends at the disclosed rate, during each qualifying period You must: (a) have at least 12 Debit Card transactions totaling at least $120.00 net (the sum of all POS transactions minus all POS returns and other credits) post and cleared per qualification cycle; and (b) maintain direct deposit; and (c) consent to receive Your periodic statements electronically. For the High Yield Account: if you fail to meet the eligibility requirements, you will earn 0.05% APY.

(6) Each member is restricted to only one High Yield Checking Account. The Social Security Number will be the source to identify the account ownership.

(7) You will not be paid any accrued but uncredited dividends at the time You close Your account.

Schedule of Fees and Charges for Consumer Accounts

Effective Date: March 15, 2018

The fees appearing in this Schedule are accurate and effective for accounts as of the effective Date indicated on the Fee Schedule.
If you have any questions or require current fee information on your accounts, please call the Credit Union (402) 292-8000.

General

Account Audit Fee (per hour): $25.00

Account History Fee (up to 30 days): $5.00

ACH Origination Fee (Outgoing Debit): $15.00

Bad Address Fee: $5.00

Cashier's Check Fee: $5.00

Collection/Cash Letter Item Fee: $25.00

Domestic Bags Locked: $15.00

Early Account Closure (<90 days): $25.00

External Transfer Withdrawal Fee: $2.00

eZforex Foreign Money Purchase: $15.50

FAX Fee
Outgoing (first page): $5.00
Each Additional Page: $1.00
Incoming Each Page: $1.00

Garnishment Fee: $100.00

Inactive Account Fee: $10.00

Money Order Fee (each): $3.00

Non-Member ONUS Check Cashing Fee (per item): $5.00

NSF Fee: $35.00

Overdraft Service Charge (per occurrence): $35.00

Overdraft Transfer Fee
(pulled from transferring account): $5.00

Paper Statement Mailed: $5.00

Phone Inquiry Fee: $2.00

Photocopy Fee (per page): $0.20

Returned Check Fee
(funds available Deposit item): $25.00

Cobalt Credit Union EZ Pay Fee (Telephone Check): $12.50

Skip Payment Fee: $50.00

Statement Print Service Charge: $5.00

Stop Payment Fee (initial or renewal): $35.00

Uncollected Funds Charge: $35.00

Wire In Charge: $15.00

Wire Out Charge
Domestic: $25.00
International: $40.00

Prime Share Account

Over Counter Fee Over 3: $1.00

Excess Withdrawal Item Over 6: $5.00

ATM/Debit Card Fees and Charges

Cobalt Credit Union (Proprietary) ATM Machines: FREE

All other ATM's (Non-Proprietary/Foreign) (two free monthly per tax owner): $3.00

Card Replacement Fee: $5.00

Checking Accounts General

Check Printing Fee: Varies

Check Photocopy Fee: $2.00

Check Photocopy Fee (Faxed): $4.00

Stop Payment Fee (initial or renewal): $35.00

Workers Compensation Medicare Set-Aside Arrangement Checking Account

Maintenance Service Charge: $3.00

Cobalt Credit Union Prestige Checking Account

Maintenance Service Charge: $3.00

Money Market

Excess Withdrawal Item Fee Over 6: $5.00

Premiere Money Market

Monthly Service Charge if balance is below $25,000.00: $10.00

Excess Withdrawal Item Fee Over 6: $5.00

Safe Deposit Box Fee (annual)

3X5: $25.00

5X5: $30.00

3X10: $35.00

5X10: $45.00

10X10: $70.00

Key Replacement Fee: $10.00

Box Drilling Fee: Cost incurred plus 10%

Depth of boxes: 22 inches

The fees appearing in this Schedule are accurate and effective for accounts as of the effective Date indicated on the Fee Schedule. If you have any questions or require current fee information on your accounts, please call the Credit Union (402) 292-8000.