Why should I join a credit union?

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

Visit our blog to learn more about the difference between banks and credit unions.

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! In order to become a member, you simply have to live, work, worship, attend school or conduct business in one of our counties of service — or have an immediate family member who does.

You can join Cobalt Credit Union if:

  • You or your immediate family member* are employed by or a retiree of SpartanNash
  • You or your immediate family member* live, work, worship, attend school, or regularly do business in Douglas, Sarpy, Cass, Washington, Dodge, Lancaster or Saunders Counties in Nebraska, or Pottawattamie, Harrison, Mills, Shelby, Monona, Crawford, Carroll, Ida or Sac Counties in Iowa
  • You or your immediate family member* is already a member of Cobalt Credit Union
  • Businesses and other entities qualify if they are located within any of the fourteen counties.

*Immediate family member is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings and adoptive relationships.

To join, you'll need to open a Cobalt Credit Union savings account, with a minimum initial deposit of only $5. You can also sign up for one of our checking accounts now or add this option at a later date. If you have questions, just stop by any of our conveniently located offices or call 402-292-8000 or 1-800-228-0392, ext. 6266. If you're ready to join now, apply online.

For current rates and account disclosures, visit our Current Rates page.

Care to join us?

If you’re ready to switch to Cobalt Credit Union, we’re ready to help. Apply now to get started.

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