We take the stress out of big decisions.

From purchasing a car or home to financing school, many of life’s milestones require some extra capital. Our low-interest financing with flexible terms can help make your big moments memorable instead of stressful.  View current rates.

Mortgage loans and home equity loans

Buying a new home or improving your existing home? We can help with competitively priced loans and financing options that will fit within your budget. Learn more about loan types or apply now:

Personal loans

Save time and money by consolidating high interest debt, covering unexpected expenses or financing all of your home improvement projects.

Auto and other vehicle loans

We offer low-cost financing for new and used cars, in addition to RV, motorcycles and boats.

You rely on us to deliver a smart car buying experience. Visit our AutoSmart to take the first step in helping yourself to find a better deal on your next vehicle purchase.

To contact our collections department send email to
To contact our titles department send email to
To inquire about auto insurance send email to

Revolving line of credit

Need a preapproved line of credit available to use whenever you want to use it? Then our Revolving Credit Loan is for you!

Your credit line will be based on what you qualify for. Payments will only be made on what you actually borrow. When you repay your loan, the credit line is again available for your use.

About Credit Scoring

Visit our Member Resource page to learn about the process, including why having a good score matters and how you can increase your numbers.

Lending Team

Catherine Withers

NMLS ID: 799996

Cody L Wragge

NMLS ID: 1213742

Deb Nichols

NMLS ID: 797148

Julie Strohfus

NMLS ID: 797149

Melissa S. Hoke

NMLS ID: 799995

Nickolas Miller

NMLS ID: 2124979

Care to join us?

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

Apply Now

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