Cobalt rates: up to 4.00% APY
credit union · NCUA CHARTER 24917 · www.cobaltcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $0 & greater | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Holiday Club Account | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Online Prime Savings | $0-999.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Online Prime Savings | $1,000.00 & greater | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Prime Online Savings Account | 2.65% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | $0-$25,000 & greater | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Vacation Club Account | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6-Month CD | 6 Months | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Baby Bundle Certificates | 12 Month | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Months | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Months | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Baby Bundle Certificates | 24 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 30-Month CD | 30 Months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Bump Up Share and Bump Up IRA Certificate | 36 Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Months | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Months | 2.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Personal Prime Money Market Account | Accts. not meeting qualifications | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Prime Money Market Account | $20,000.00 & greater | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal and IRA Money Market Account | $0.01-2,499.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal and IRA Money Market Account | $2,500.00-24,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal and IRA Money Market Account | $25,000.00-49,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal and IRA Money Market Account | $50,000.00-99,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal and IRA Money Market Account | $100,000.00 & greater | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Cobalt Blue Checking Account | $0-10,000.00 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Cobalt Blue Checking Account | $10,000.01 and greater | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Cobalt Elite Checking Account | Accts. not meeting qualifications | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Cobalt Elite Checking Account | $2,500.00-20,000.00 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Cobalt Elite Checking Account | 20,000.01 and greater · from $20,000.01 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Free Checking Account | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.cobaltcu.com/bank/deposit-rates | 2026-11-01 21:13 UTC | ok | c8e69e9df58a |
| www.cobaltcu.com/deposit-rates | 2026-11-01 22:11 UTC | ok | c8e69e9df58a |
| www.cobaltcu.com/prime-online-savings-account | 2026-11-01 22:05 UTC | ok | 434603674c28 |
| www.cobaltcu.com/bank/savings | — | extract-failed |