Council Bluffs, IA 51503

Notable Rates APY Vs.Others
Savings 0.10% 1.96% →
1-Year CD 1.35% 2.02% →
2-Year CD 1.50% 2.65% →
5-Year CD 1.70% 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Credit Union Information

Cobalt is an NCUA insured institution located in Council Bluffs, IA. It was founded in 1946 and has approximately $992.15 millions in assets.

NCUA Insured Yes
Charter Number # # 68695
Date Established 1946
Assets $992.15 million
Loans $852.83 million
Deposits $775.89 million
Capital $91.69 million

Deposit Rates - March 31, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.50% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.60% $100,000 - Learn MoreShow Less
6 Mo CD
1.00% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
1.10% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $2,500 $24,999 Learn MoreShow Less
Fixed IRA
1.35% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $300 - Learn MoreShow Less

Loan Rates - March 31, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for COBALT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to COBALT
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Cobalt branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Cobalt Locations

Financial Details

Cobalt Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cobalt. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Cobalt U.S. Average
12.33% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Cobalt had $12,205,512 in non-current loans and $20,095 in owned assets. To cover these potential losses it had $91,694,343 in net worth and $7,484,389 in loans loss reserves. That gives it a Texas Ratio of 12.33%.

Net Worth
Cobalt U.S. Average
9.24% 13.65%

Cobalt FCU has a net worth of 9.24% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Cobalt

Branches and Savings

What is Cobalt?

A federal credit union, registered with the NCUA under certificate #68695.
Learn more about credit unions here.

Is Cobalt FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Cobalt?

Please see Field of Membership information above for information on who is eligible to join.

What are Cobalt's share account and share certificate rates?

Cobalt's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Cobalt?

Cobalt has total capital of $91.69 million. Full information on Cobalt's financial position is located above.

Who owns Cobalt?

Credit Unions are owned by their members.

Where are Cobalt branches located?

See branch locations nearby.

Are Cobalt ATMs Open 24/7?

Do Cobalt ATMs accept cash deposits?

Can Cobalt customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Cobalt have a mobile app?

Does Cobalt have mobile deposit?

Does Cobalt have quick pay?

How can Cobalt transfer money to other banks or credit unions?

Does Cobalt report to credit bureaus?

Does Cobalt use Chexsystems?

Does Cobalt use Equifax?

What is Cobalt's toll free phone number?

What is Cobalt's ACH Routing Number?

What is Cobalt's SWIFT code?

Where can I find Cobalt's wire transfer form?

What is the Cobalt address for deposits?

What Products Does Cobalt Offer

Does Cobalt offer mortgages?

Compare mortgage rates here.

Does Cobalt offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cobalt offer auto and RV loans?

Compare auto loan rates here.

Does Cobalt offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Cobalt

There are currently no comments for Cobalt. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →