Rates

Low rates. High satisfaction.

We keep our rates and fees competitive so you get the most out of your money. View detailed up-to-date rates for all of our products. For a complete list of current deposit rates and fees, click here.

Vehicle Loans

Auto Rates

  Term A APR** B+ APR** B APR** C APR** D APR** E APR**
2018 & 2017 Vehicles Up to 84 Months 4.39-5.89% 6.64-8.39% 8.39-10.14% 11.04-12.79% 15.89-17.64% 17.99%
Used Vehicles Up to 78 Months Based on Age and Rate Tier 4.54-8.24% 6.79-10.24% 8.54-11.24% 11.29-15.49% 16.14-17.99% 17.99%

Recreational Vehicle Rates

  Rate APR** Term
NEW
48 Month Term 7.25 7.25 48
49 to 96 Month Term 8.50 8.50 96
USED
48 Month Term 8.50 8.50 48
49 to 96 Month Term 9.50 9.50 96

Motorcycle Rates

  Term A B C D E
New & 1 Year Old Motorcycles Up to 72 Months 3.99-8.60% 5.99-10.60% 8.99-13.60% 14.99-16.60% 17.99%
Used Motorcycles Up to 60 Months Based on Age 4.99-7.99% 6.99-8.99% 9.99-11.99% 15.99-16.99% 17.99%

Boat Rates

  Term A APR** B APR** C APR** D APR** E APR**
New & 1 Year Old Boats Up to 84 Months Based on Age and Rate Tier 3.99-9.10% 5.99-11.10% 8.99-13.60% 14.99-16.60% 17.99%
Used Boats Up to 60 Months Based on Age 4.99-7.99% 6.99-8.99% 9.99-11.99% 15.99-16.99% 17.99%

Personal Loans

Term A+ APR** A APR** B+ APR** B APR** C APR** D APR** E APR**
36 Months 7.49% 8.49% 10.49% 11.49% 14.49% 17.49% 17.99%
37-48 Months 7.74% 8.74% 10.74% 11.74% 14.74% 17.74% 17.99%
49-60 Months 7.99% 8.99% 10.99% 11.99% 14.99% 17.99% 17.99%

Home Loans

Term  APR***
Home Equity Line of Credit - Variable Rate
10 Year Draw

2.99% Fixed for 12 Months; Variable Thereafter Ranging from 7.00% - 8.50%

Home Equity Loans - Fixed Rate - 91-100% Loan to Value
0-60 Months 6.25%
61-108 Months 6.75%
109 to 180 Month term 7.25%
Home Equity Loans - Fixed Rate - 81-90% Loan to Value
0-60 Months 5.25% - 6.00%
61-108 Months 5.75% - 6.50%
109 to 180 Month term 6.25% - 7.00%
Home Equity Loans - Fixed Rate - 80% or Lower Loan to Value
0-60 Months 4.25% - 8.50%
61-108 Months 4.75% - 7.50%
109-180 Months 5.25% - 6.50%

Account Disclosures

** APR = Annual Percentage Rate. Vehicle Loan Rates are determined by individual credit profile, terms, and age of vehicle. Personal Loan Rates are determined by individual credit profile.

***APR=Annual Percentage Rate. Terms are based on creditworthiness, loan-to-value ratio, collateral condition and subject to approval requirements. Rates apply to owner-occupied, primary single-family residence only. Property must be insured (including flood insurance, when required). Minimum loan or line of credit amount is $10,000 and maximum amount is $150,000. There may be fees associated with this loan, and an appraisal may be required. The HELOC APR may vary after the introductory period and the rate adjusts monthly by a margin over Wall Street Journal Prime, with a maximum 20 year amortization with 10 year draw period and 10 year repayment term. Payments during draw period are interest only and fully amortized over the 10 year repayment period with a rate ceiling APR of 18% and a floor APR of 4.25%.  No annual fee or early termination fee.  Loans and lines of credit are available for Nebraska and Iowa properties within Cobalt Credit Union's lending area. Loan interest may be tax deductible. Please consult your tax advisor. Contact Cobalt Credit Union for available rates and terms for rental or investment properties.  Some limitations apply.