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 | ||
|---|---|---|
|
Models/Year |
Term |
APR* as low as |
|
2023-2022 |
Up to 65 months |
7.34% |
|
2021-2020 |
Up to 65 months |
7.39% |
|
2019-2018 |
Up to 60 months |
7.89% |
|
2017-2015 |
Up to 60 months |
7.99% |
|
2014 and older |
Up to 36 months |
9.84% |
|
*Annual Percentage Rate. Rates effective as of August 17, 2023 and subject to change without notice. Final rate determined by credit score, vehicle age and loan term. Other terms and conditions may apply. Financing on 79-84 month terms available on loans exceeding $30,000 only. Loan example: $30,000 loan with a 48-month term and 9.89% APR is $823.60, excluding the $40 loan processing fee or any additional loan vehicle coverage options. |
| Recreational Vehicle Rates | ||
|---|---|---|
|
Models/Year |
Term |
APR* as low as |
|
2023-2022 |
Up to 65 Months |
8.84% |
|
2021-2020 |
Up to 65 Months |
8.89% |
|
2019-2018 |
Up to 60 Months |
9.39% |
|
2017-2015 |
Up to 60 Months |
9.49% |
|
2014 and older |
Up to 36 Months |
11.34% |
|
*Annual Percentage Rate. Rates effective as of August 17, 2023 and subject to change without notice. Final rate determined by credit score, vehicle age and loan term. Other terms and conditions may apply. Financing on 79-96 month terms available on loans exceeding $30,000 only. Loan example: $30,000 loan with 48-month term and 11.39% APR is $846.50, excluding the $40 loan processing fee or any additional loan vehicle coverage options. |
| Motorsports Rates | ||
|---|---|---|
|
Models/Year |
Term |
APR* as low as |
|
2023-2022 |
Up to 65 Months |
8.34% |
|
2021-2020 |
Up to 65 Months |
8.39% |
|
2019-2018 |
Up to 60 Months |
8.89% |
|
2017-2015 |
Up to 60 Months |
8.99% |
|
2014 and older |
Up to 36 Months |
10.84% |
|
Motorsports = Boats & Motorcycles *Annual Percentage Rate. Rates effective as of August 17, 2023 and subject to change without notice. Final rate determined by credit score, vehicle age and loan term. Other terms and conditions may apply. Financing on 79-84 month terms available on loans exceeding $30,000 only. Loan example: $30,000 loan with 48-month term and 10.89% APR is $838.82, excluding the $40 loan processing fee or any additional loan vehicle coverage options. |
| Personal Loan Rates | |
|---|---|
|
Term |
APR* as low as |
|
Up to 24 Months |
9.74% |
|
25-36 Months |
9.74% |
|
37-48 Months |
10.49% |
|
49-60 Months |
10.99% |
|
*Annual Percentage Rate. Rates effective as of August 17, 2023. Current rates range from 9.74% APR to 16.99% APR based on creditworthiness and the loan term. The minimum loan amount is $1,000 and the maximum is $30,000. Terms range from 12 months to 60 months. No prepayment penalty. Offer good on new loans or refinancing of current loans with an additional $1,00 added. Payment example: The monthly payment, without debt protection, for a 36-month term with a 9.74% APR, is approximately $341.93. All loans are subject to approval. |
| Home Equity Loan Rates | ||||||
|---|---|---|---|---|---|---|
| Home Equity Line of Credit - Variable Rate | ||||||
| Term | APR* | |||||
| 10 Year Draw | As low as 6.00% Fixed for 12 Months; Variable Thereafter with rates as low as 9.00%** |
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| 10 Year Draw | As low as 7.00% Fixed for 60 Months; Variable Thereafter with rates as low as 9.00%** |
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|
*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 line of credit amount is $10,000 and maximum amount is $250,000. 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 5.00%. 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.
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