Last Updated: 01/21/2026
Cobalt Credit Union Elite Checking Account
Unaffiliated
in Checking Accounts from Cobalt Credit Union
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.15% - 3.25%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Cobalt Credit Union Elite Checking Account Review
The Cobalt Credit Union Elite Checking Account is offered by Cobalt Credit Union, a credit union founded in 1946 and based in Papillion, NE. Cobalt Credit Union Elite Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 3.25% annual percentage yield (APY). This account offers an annual percentage yield of up to 3.25%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $2500.00.
- No monthly maintenance fees. This account does not charge any monthly account fees.
Cobalt Credit Union Elite Checking Account Pros & Cons
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Cobalt Credit Union Elite Checking Account FAQ
Are checking accounts from Cobalt Credit Union federally insured?
No, your Cobalt Credit Union checking 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 APY does Cobalt Credit Union Elite Checking Account offer?
Cobalt Credit Union Elite Checking Account offers an APY starting at 0.15% and ranging up to 3.25% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $2500.00.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.15% - 3.25% |
What are the account minimums for Cobalt Credit Union Elite Checking Account?
Cobalt Credit Union Elite Checking Account requires a minimum initial deposit of $25.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $2,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Cobalt Credit Union Elite Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Uncollected Funds Fee (Deposits on hold) | Up to $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Cobalt Credit Union Elite Checking Account charge overdraft fees?
Yes, Cobalt Credit Union Elite Checking Account charges a $35.00 fee for every overdraft.What features and perks does Cobalt Credit Union Elite Checking Account offer?
This account includes the following features:
- Mobile Banking Services - Cobalt Credit Union Elite Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Cobalt Credit Union Elite Checking Account?
The customer support email for Cobalt Credit Union Elite Checking Account is contactcenter@cobaltcu.com.
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Contact
Headquarters
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