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Cobalt Credit Union auto loan rates compared

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Nebraska · Headquarters Nebraska

Papillion, NE-based credit union; membership required

Rate page on cobaltcu.com

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 7 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.49%NewUp to 48 months

NEChecked Nov 11, 2026

What the lender published

Loyalty APR: 0.50% discount for members with $500+ monthly direct deposit to Cobalt checking and another Cobalt loan or card. Advertised as up to 48 months.

Checked Nov 11, 2026Source cobaltcu.com

Calculate payment at 4.49% from Cobalt Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.74%New49–60 months

NEChecked Nov 11, 2026

What the lender published

Loyalty APR: 0.50% discount for members with $500+ monthly direct deposit to Cobalt checking and another Cobalt loan or card. Advertised as 49-60 months.

Checked Nov 11, 2026Source cobaltcu.com

Calculate payment at 4.74% from Cobalt Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.99%New61–72 months

NEChecked Nov 11, 2026

What the lender published

Loyalty APR: 0.50% discount for members with $500+ monthly direct deposit to Cobalt checking and another Cobalt loan or card. Advertised as 61-72 months.

Checked Nov 11, 2026Source cobaltcu.com

Calculate payment at 4.99% from Cobalt Credit UnionVisit lender ↗

UsedUsed car rates · 7 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.49%UsedUp to 48 months

NEChecked Nov 11, 2026

What the lender published

Loyalty APR: 0.50% discount for members with $500+ monthly direct deposit to Cobalt checking and another Cobalt loan or card. Advertised as up to 48 months.

Checked Nov 11, 2026Source cobaltcu.com

Calculate payment at 4.49% from Cobalt Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.74%Used49–60 months

NEChecked Nov 11, 2026

What the lender published

Loyalty APR: 0.50% discount for members with $500+ monthly direct deposit to Cobalt checking and another Cobalt loan or card. Advertised as 49-60 months.

Checked Nov 11, 2026Source cobaltcu.com

Calculate payment at 4.74% from Cobalt Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.

4.99%Used61–72 months

NEChecked Nov 11, 2026

What the lender published

Loyalty APR: 0.50% discount for members with $500+ monthly direct deposit to Cobalt checking and another Cobalt loan or card. Advertised as 61-72 months.

Checked Nov 11, 2026Source cobaltcu.com

Calculate payment at 4.99% from Cobalt Credit UnionVisit lender ↗