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 Loan Rates | |
|---|---|
| Term Length | Annual Percentage Rate (APR) as low as² |
|
New/Used Vehicle 2023-2020⁴ - Up to 84¹ months |
6.94% |
|
New/Used Vehicle 2019-2015⁴ - Up to 72 months |
7.49% |
| New/Used Vehicle 2014 and older - Up to 60 months | 9.44% |
Monthly Payment Example: |
$30,000 loan with 72-month term and 6.94% APR is $510.61 |
| Recreational Vehicle Rates | |
|---|---|
| Term Length | Annual Percentage Rate (APR)² |
| Up to 96 Months7 | 2023-2020⁴ | As low as 8.44% APR² |
| Up to 72 Months | 2019-2015⁴ | As low as 8.99% APR² |
| Up to 60 Months | 2014 and older⁴ | As low as 10.94% APR² |
Monthly Payment Example: |
$30,000 loan with 72-month term and APR of 8.44% is $532.47 Excluding the $40 loan processing fee or any additional loan or vehicle coverage options. |
| Motorsports Rates | |
|---|---|
| Term Length | Annual Percentage Rate (APR)² |
| Up to 84 Months¹ | 2023-2020⁴ | As low as 7.94%² |
| Up to 72 Months | 2019-2015⁴ | As low as 8.49%² |
| Up to 60 Months | 2014 and older⁴ | As low as 10.44%² |
Monthly Payment Example: |
$30,000 loan with a 72-month term and APR of 7.69% is $521.47 Excluding the $40 loan processing fee or any additional loan or vehicle coverage options. |
Motorsports = Boats & Motorcycles
Rates Effective January 25, 2023
¹ 79-84 months financing available on loans exceeding $30,000 only
⁴ Year of vehicle determines APR table
7 79-96 months financing available on loans exceeding $30,000 only
| Personal Loan Rates | |
|---|---|
| Term | Annual Percentage Rate (APR)² |
| Up to 24 Months | As low as 8.74%² |
| 25-36 Months | As low as 8.74%² |
| 37-48 Months | As low as 9.49%² |
| 49-60 Months | As low as 9.99%² |
Monthly Payment Example: |
$10,000 loan with 36-month term and APR of 8.74% is $316.79 Excluding the $40 loan processing fee or any additional loan or vehicle coverage options. |
Rates Effective March 22, 2023
| Home Equity Loan Rates | ||||||
|---|---|---|---|---|---|---|
| Home Equity Line of Credit - Variable Rate | ||||||
| Term | APR³ | |||||
| 10 Year Draw | As low as 5.50% Fixed for 12 Months; Variable Thereafter with rates as low as 8.50%⁵ |
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| 10 Year Draw | As low as 6.50% Fixed for 60 Months; Variable Thereafter with rates as low as 8.50%⁵ |
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| Home Equity Loans - Fixed Rate | |||||||
|---|---|---|---|---|---|---|---|
| Term | APR³ | Payment Examples: | |||||
| 96-100% Loan to Value | As low as 7.75%²,6 | $30,000 loan with 60-month term and APR of 7.75% is $604.71 Excluding loan fees and closing costs. |
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| 91-95% Loan to Value | As low as 7.25%²,6 | $30,000 loan with 60-month term and APR of 7.25% is $597.58 Excluding loan fees and closing costs. |
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| 81-90% Loan to Value | As low as 6.75%²,6 | $30,000 loan with 60-month term and APR of 6.75% is $590.50 Excluding loan fees and closing costs. |
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| 80% or Lower Loan to Value | As low as 6.00%²,6 | $30,000 loan with 60-month term and APR of 6.00% is $579.98 Excluding loan fees and closing costs. |
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Effective October 28, 2022
6Rate applies to terms of 60 months or less
² 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.
³ 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 6.25%. Loan fees and closing costs may vary between $400-1000. 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.
⁵ Maximum annual percentage rate 18%
