Deposit Rates

The National Credit Union Administration's (NCUA) Share Insurance Estimator lets consumers, credit unions, and their members know how its share insurance rules apply to member share accounts—what's insured and what portion (if any) exceeds coverage limits.

NCUA Share Insurance Estimator

Savings Account Rates

Savings (2)(3)(9)
Amount	Dividend Rate	Annual Percentage Yield	Period*
$0-$25,000 & greater	0.10%	0.10%	Quarterly

Checking Account Rates

Cobalt Elite Checking Account (2)(3)(5)(7)(9)
Amount	Dividend Rate	Annual Percentage Yield	Period*
$0-20,000.00	3.20%	3.25%	Monthly
20,000.01 and greater	0.15%	0.15%	Monthly

 

Cobalt Blue Checking Account (2)(3)(5)(8)(9)
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 (6)(9)
Amount	Dividend Rate	Annual Percentage Yield	Period*
$20,000.00 & greater	3.93%	4.00%	Monthly
$0.00-19,999.00	0.10%	0.10%	Monthly

Certificate and IRA Account Rates

 

Bump Up Certificate Rates

Bump Up Share and Bump Up IRA Certificate (1)(4)(9)(10)
Term	Amount	Dividend Rate	Annual Percentage Yield	Period*
36 Month	$1,000.00-99,999.99	2.87%	2.90%	Quarterly
	100,000.00 & greater	2.97%	3.00%	Quarterly

Baby Bundle Certificate Rates

Baby Bundle Certificates (1)(9)(10)
Term	Amount	Dividend Rate	Annual Percentage Yield	Period*
12 Month	$25 and up	3.45%	3.50%	Monthly
24 Month	$50 and up	3.20%	3.25%	Monthly

 

 

 

Club Account Rates

Health Savings Account Rates

Health Savings Account (2)
Amount	Dividend Rate	Annual Percentage Yield	Period*
$0 & greater	0.25%	0.25%	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: 12/4/2024

*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.

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

(5) You will not be paid any accrued but uncredited dividends at the time you close your account.

(6) For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. 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.

(7) 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 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. 

(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 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) Fees may reduce earnings on the account.

(10) A penalty may be imposed for early withdrawal

Schedule of Fees and Charges for Consumer Accounts