4 more

Last Updated: 05/14/2026

Cobalt Credit Union Bump Up IRA Certificate

from Cobalt Credit Union

Last Updated: 05/14/2026

No Reviews Yet

This product has no reviews yet. Help others by sharing your thoughts.

Be the first to rate

Explore a similar product

Try this top product in CD Accounts

Barclays CD

Strongly recommended24 reviews

Visit Site

Compare All CD Accounts

Filter & compare all your options in one place.

View All Products

Highlights

APY (Annual Percentage Yield)

3.45% - 3.55%(Verified 06/21/2024)

Minimum Opening Deposit

$1,000

Certificate Term

3 years

Cobalt Credit Union Bump Up IRA Certificate Review

Cobalt Credit Union Bump Up IRA Certificate are offered by Cobalt Credit Union, a credit union founded in 1946 and based in Papillion, NE. Cobalt Credit Union Bump Up IRA Certificate are available in 50 states and Washington, DC.

Key Takeaways

Small selection of CD account types. Cobalt Credit Union Bump Up IRA Certificate only offers bump up IRA and traditional CDs.
Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.55%, which is much higher than the national average for a CD account.
$1,000.00 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
Limited selection of CD terms. Cobalt Credit Union Bump Up IRA Certificate only offers one CD term. This limits your options when trying to set up a CD ladder.

Pros & Cons of Cobalt Credit Union Bump Up IRA Certificate

Pros

Cons

Available in 50 states and Washington, DC.
High-interest yield.

Not FDIC-insured.
Poor selection of CD terms.
There isn't a no-penalty CD option.

Cobalt Credit Union Bump Up IRA Certificate FAQ

Are CD from Cobalt Credit Union federally insured?

No, your Cobalt Credit Union CD accounts are not insured by a federal insurance agency. This means that if Cobalt Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

What types of CDs does Cobalt Credit Union offer?

Cobalt Credit Union Bump Up IRA Certificate provides the following types of CDs.

Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
Bump-up CDs. Bump-up CDs allow you to increase the interest rate you earn on your savings if the going interest rates rise. These CDs are useful in a changing interest rate environment.
IRA CDs. An IRA CD is a type of IRA that consists entirely of CDs. In general, you can invest in CDs in any IRA, but Cobalt Credit Union Bump Up IRA Certificate offers a CD that is specifically for retirement.

What rates does Cobalt Credit Union offer on its CDs?

Cobalt Credit Union Bump Up IRA Certificate offers an APY starting at 3.45% and ranging up to 3.55%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding. This is higher than the typical interest rate for online-only checking accounts, which is around 1% APY.

What terms does Cobalt Credit Union Bump Up IRA Certificate offer?

Cobalt Credit Union offers CD terms of the following lengths:

Cobalt Credit Union Bump Up IRA Certificate Rates & Terms

Description

Certificate Term

3 years

APY (Annual Percentage Yield)

3.45% - 3.55%

3-Year APY

3.45% - 3.55%

What is the minimum deposit to open a CD account with Cobalt Credit Union?

Cobalt Credit Union Bump Up IRA Certificate require a minimum deposit of $1,000.00 to open an account.

What is the grace period for Cobalt Credit Union Bump Up IRA Certificate?

There is a 7-day grace period for Cobalt Credit Union Bump Up IRA Certificate. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Cobalt Credit Union charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.

Cobalt Credit Union charges an early withdrawal fee.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

7148 Towne Center Parkway

Papillion, NE 68046

(800) 228-0392

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

Other Services by Cobalt Credit Union

Business Checking Accounts

3 products

Be the first to rate

Checking Accounts

3 products

Be the first to rate

Money Market Accounts

6 products

Be the first to rate

Savings Accounts

6 products

Be the first to rate

Business Credit Cards

Be the first to rate

Credit Cards

6 products

Be the first to rate

Auto Loans

3 products

Be the first to rate

Personal Loans

Be the first to rate

Home Equity Lines of Credit

Be the first to rate

Home Equity Loans

Be the first to rate

Other CD Accounts from Cobalt Credit Union

Cobalt Credit Union Baby Bundle Certificates

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

3.65% - 4.55%

Disclaimer popup with additional information

Minimum Opening Deposit

$30

Certificate Term

12 months
2 years

Visit Site

Cobalt Credit Union Bump Up Certificates

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

3.45% - 3.55%

Disclaimer popup with additional information

Minimum Opening Deposit

$1,000

Certificate Term

3 years

Visit Site

Cobalt Credit Union Business Term Share Certificates

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

3.05% - 5.30%

Disclaimer popup with additional information

Minimum Opening Deposit

$1,000

Certificate Term

6 months
12 months
18 months

2 years
30 months
3 years
4 years
5 years

Visit Site

Cobalt Credit Union Certificates

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

3.05% - 5.30%

Disclaimer popup with additional information

Minimum Opening Deposit

$1,000

Certificate Term

6 months
12 months
18 months

2 years
30 months
37 months
4 years
5 years

Visit Site

Cobalt Credit Union IRA Certificate

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

3.05% - 5.30%

Disclaimer popup with additional information

Minimum Opening Deposit

$1,000

Certificate Term

6 months
12 months
18 months

2 years
30 months
3 years
4 years
5 years

Visit Site

SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.