Full Service Financial Solutions

Personal or Business Checking

Personal or Business Savings & CDs

Youth Accounts

Personal or Business Credit Cards

Personal or Business Loans or Lines of Credit

Business Services


Extra benefits of being a Cobalt member

Free Notary Services

Free Card Manager app to control your debit card*

Online & Mobile Banking, e-statements

Free debit card

Document Shred Events

Free Seminars and Webinars


*Data and other wireless carrier charges may apply.

Learn about the military's blended retirement system

The military made major changes to its retirement system on Jan. 1, 2018, adding the Blended Retirement System. This guide takes a look at what it means for military members and how you can get a head start on long-term financial security from the minute you join the armed forces.

Read Now (English) Read Now (Spanish)

Cobalt in the Community

What’s going on at Cobalt?

Refer a Friend
and you'll both get $50!*

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Explore our new Checking account options.

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Earn market-level interest while
having access to your funds.

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Our Members are happy. Here's what they are saying:

We have been members since 1992 and have lived in Alabama most of that time.  Working long distance with SAC/COBALT has always been easy.  I love talking with folks back in the Heartland. They are warm, friendly and efficient.


I have always received excellent service, since I joined in 1971 when it was SAC Federal Credit Union. I have never had any problems at any of the Cobalt branches and your employees are very friendly, helpful and knowledgeable.


Employees are always very friendly and professional at both lobby and drive thru. Been members for 26 years and are very happy.


I've always had the best service no matter what branch.


Tellers were professional and helpful. I prefer to go here for business because of them