Deposit Rates

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NCUA Share Insurance Estimator

Savings Account Rates

Savings (2)(3)
Amount Dividend Rate Annual Percentage Yield Period*
$0-$25,000 & greater 0.10% 0.10% Quarterly

Checking Account Rates

Elite Checking Account (2)(3)(5)(6)(7)
Amount Dividend Rate Annual Percentage Yield Period*
$0-20,000.00 3.21% 3.25% Monthly
20,000.01 and greater 0.15% 0.15% Monthly

 

True Blue Checking Account (2)(3)(6)(7)(8)
Amount Dividend Rate Annual Percentage Yield Period*
$0-10,000.00 1.49% 1.50% Monthly
10,000.01 and greater 0.15% 0.15% Monthly

 

Free Checking Account
Dividend Rate Annual Percentage Yield Period*
0.00% 0.00% N/A

Personal Money Market Account Rates

Personal Prime Money Market Account (2)(9)
Amount Dividend Rate Annual Percentage Yield Period*
$20,000.00 & greater 4.65% 4.75% Monthly
$0.00-19,999.00 0.10% 0.10% Monthly

 

Personal Premier Money Market Account (2)
Amount Dividend Rate Annual Percentage Yield Period*
$0.00-25,000.00 0.00% 0.00% Monthly
25,000.01-100,000.00 0.45% 0.45% Monthly
100,000.01-250,000.00 0.65% 0.65% Monthly
250,000.01 & greater 0.90% 0.90% Monthly

 

Personal and IRA Money Market Account (2)
Amount Dividend Rate Annual Percentage Yield Period*
$0.01-2,499.99 0.00% 0.00% Monthly
2,500.00-24,999.99 0.10% 0.10% Monthly
25,000.00-49,999.99 0.15% 0.15% Monthly
50,000.00-99,999.99 0.20% 0.20% Monthly
$100,000.00 and greater 0.25% 0.25% Monthly

 

Certificate and IRA Account Rates

Certificate (1)(4)
Term Amount Dividend Rate Annual Percentage Yield Period*
6 Months $1,000.00-99,999.99 4.91% 5.00% Quarterly
  100,000.00 & greater 4.96% 5.05% Quarterly

 

Certificate and IRA  (1)(4)
Term Amount Dividend Rate Annual Percentage Yield Period*
12 Months $1,000.00-99,999.99 5.15% 5.25% Quarterly
  100,000.00 & greater 5.20% 5.30% Quarterly
18 Months $1,000.00-99,999.99 3.70% 3.75% Quarterly
  100,000.00 & greater 3.80% 3.85% Quarterly
24 Months $1,000.00-99,999.99 3.60% 3.65% Quarterly
  100,000.00 & greater 3.70% 3.75% Quarterly
30 Months $1,000.00-99,999.99 3.50% 3.55% Quarterly
  100,000.00 & greater 3.60% 3.65% Quarterly
36 Months $1,000.00-99,999.99 3.41% 3.45% Quarterly
  100,000.00 & greater 3.50% 3.55% Quarterly
48 Months $1,000.00-99,999.99 3.21% 3.25% Quarterly
  100,000.00 & greater 3.31% 3.35% Quarterly
60 Months $1,000.00-99,999.99 3.02% 3.05% Quarterly
  100,000.00 & greater 3.11% 3.15% Quarterly

 

Bump Up Certificate Rates

Bump Up Share and Bump Up IRA Certificate (1)(4)
Term Amount Dividend Rate Annual Percentage Yield Period*
36 Month $1,000.00-99,999.99 3.41% 3.45% Quarterly
  100,000.00 & greater 3.50% 3.55% Quarterly

Baby Bundle Certificate Rates

Baby Bundle Certificates (1)
Term Dividend Rate Annual Percentage Yield Period*
12 Month 4.46% 4.55% Monthly
24 Month 3.59% 3.65% Monthly

Club Account Rates

Club Accounts (2)
Account Dividend Rate Annual Percentage Yield Period*
Vacation Club Account 0.25% 0.25% Annually
Holiday Club Account 0.25% 0.25% Annually

Health Savings Account & Workers Compensation
Medicare Set Aside Account

Health Savings Account (2)
Amount Dividend Rate Annual Percentage Yield Period*
$0 & greater 0.25% 0.25% Monthly

 

Workers Compensation Medicare Set-Aside Account (2)(3)
Amount Dividend Rate Annual Percentage Yield Period*
$0-299.99 0.00% 0.00% Monthly
300.00 & greater 0.05% 0.05% Monthly

Account Disclosure Rate Supplement

This supplement is incorporated into, becomes a part of and should be attached to the Agreements and Disclosures. 
Effective Date: 9/6/2023

*Period refers to the Dividend Period, Compounding Period, and Crediting Period

(1) For the purposes of this disclosure, this is a rate and APY that was offered within the most recent 7 calendar days. The Dividend Rate(s) and Annual Percentage Yield(s) shown herein are current as of the effective date. For more current rates, please call (402) 292-8000.

(2) For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown herein may change every dividend period as determined by Our Board of Directors. 

(3) Only the deposited funds that comprise each tier earn the rate for that tier. Fees may reduce earnings.

(4) All deposited funds earn the rate for the tier that corresponds to the amount of the initial deposit.

(5) Minimum opening deposit of $25. Must maintain minimum average daily balance of $2,500 to receive Premium APY. Premium APY of 3.25% on balances up to $20,000 if account-specific qualifications are met and 0.15% APY on dollar amounts above $20,000 or if account-specific qualifications are not met. Account-specific qualifications: At least one monthly direct deposit transaction of $500 or more into a Cobalt account, opt-in to receive e-statements, and 15 monthly debit card purchases equaling at least $500. Contact us for details including eligibility, service description and associated charges.

(6) Each member is restricted to only one Elite Checking Account. The Social Security Number will be the source to identify the account ownership.

(7) You will not be paid any accrued but uncredited dividends at the time You close Your account.

(8) Minimum opening deposit of $25. Premium APY of 1.50% on balances up to $10,000 if account-specific qualifications are met, and 0.15% APY on dollar amounts above $10,000 or if account-specific qualifications are not met. Account-specific qualifications: At least one monthly direct deposit transaction of $500 or more into a Cobalt account, opt-in to receive e-statements, and 10 monthly debit card purchases equaling at least $250. Contact us for details including eligibility, service description and associated charges.

(9) This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY (Annual Percentage Yield), refer to the accompanying Account Disclosure Rate Supplement which we have included with and made a part of this disclosure. In order to earn the disclosed APY, You must: (i) maintain an average daily balance at least equal to $20,000; and (ii) make at least one direct deposit transaction of at least $500 each month. The Dividend Rate and Annual Percentage Yield shown is based on the Wall Street Journal (WSJ) Prime Rate minus 3.75% with a 0.30% floor rate. Should the WSJ Prime Rate change, this Dividend Rate and Annual Percentage Yield will be adjusted the following business day. If you fail to meet the eligibility requirements, you will earn 0.10% APY. Fees may reduce earnings.

Schedule of Fees and Charges for Consumer Accounts

Account Disclosures

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 deposit products.

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Bump-up Certificate

 

  • Earn a competitive certificate rate at a 36-month term and increase your rate when interest rates rise during the term of your certificate
  • Choose when to use the two time Bump-Up option to change the rate

Minimum balance of $1,000 required to open. Option to Bump-Up two times only during the original term of the same certificate product. Bump-Up rate and APY will only apply for the remaining time of maturity on the certificate. Rate change option is based on the Cobalt published rate for that certificate term. Other financial institution’s certificates or rates are not applicable to use for the Cobalt Bump-Up rate certificate. Early withdrawal penalties may apply. Federally Insured  by NCUA. Equal Housing Lender.