Learn more about our checking account options.

Whether you prefer a checking account with great rates and added benefits, or a value checking account with no fees or minimum balances - we’ve got you covered.

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With our High Yield Plus Checking account your balance earns dividends of 1.75% APY* on balances up to $10,000 and you are enrolled in the Member Plus Program

All of our checking accounts include direct deposit, online bill pay, convenient e-statements, and 24/7 access online and via phone. Member Plus offers extra benefits we know you'll enjoy!

Learn More About Member Plus Plan Benefits

More details on High Yield Plus Checking...

  • Open an account with as little as $25
  • E-Statements required
  • Direct Deposit required
  • Free debit cards
  • Must make 12 point of sale transactions a month totaling a minimum of $120
  • Unlimited transactions
  • $6/month service fee
  • Amounts over $10,000 earn a lower dividend rate
  • 2 free foreign ATM withdrawals per month

*Annual Percentage Yield. Some restrictions apply including a minimum balance requirement.


Which account is right for you?

  High Yield Plus Value Plus Value
Dividend Earning Account 1.75% APY* 0.05%APY*
Member Plus Benefits
Free Online Bill Pay
Free Foreign ATM Transactions** 2 ATM fee
2 ATM fee
2 ATM fee
25,000+ Free Co-op ATMS
Low Opening Deposit $25 $25 $25
Unlimited Check Writing
Free Online
Account Access
Direct Deposit Required
Video Banking
Monthly Account
Maintenance Fee
$6 $6 No Fee


Refer to account disclosure and rate sheet for details on fees and dividends, or contact us for details including eligibility, service description and associated charges.

*Annual Percentage Yield. Some restrictions apply including minimum balance requirements.
** Foreign ATM transactions are any non-Cobalt ATM transactions. Does not include surcharge imposed by the owner of the ATM. 

Account Conveniences

We make it easy to maintain your Cobalt Credit Union account.

Request a debit card.

Adding a debit card to your account is free and easy. Just fill out this form and return it to your branch.

Mastercard Debit Card Benefits

Your debit card comes with some amazing perks!
Click here for all the details.

Order new checks online.

Visit Deluxe Checking. You'll need your account number and our routing number: 304083448.

Find an ATM.

Use any of these ATMs for a surcharge-free transaction.

Report a lost or stolen card.

Contact us immediately, even after hours, if your debit card or credit card is missing.

Standard Overdraft Courtesy Plan

View our Standard Overdraft Courtesy Plan.

Paycheck Direct Deposit 

Save time by signing up for direct deposit.


Convenient e-Statements
24/7 access

Access your account anytime online and via phone

Remote Deposit

Deposit checks from your phone using our mobile app

Card Valet

Protect your debit cards through your mobile device by receiving alerts and defining when, where and how your payment cards are used.

Learn More

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