Cobalt Credit Union is a member-owned, community-focused credit union rooted in military heritage that has evolved into a full-service financial institution. It stands out through its strong community engagement, modern digital tools, and extensive branch access across Nebraska and Iowa.
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Cobalt Credit Union Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 08/27/2025.
3.2
148 reviews
from WalletHub and across the web
148 reviews from WalletHub and across the web
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Cobalt Credit Union
Jace Fehlman @Jace_fehlman
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5 Star Rating
I reached out to Cobalt Credit Union for a personal loan when I was in a tight spot on short notice. Richard Sullinger helped me with everything that I had questions on and needed help with getting done. There was no back and forth. He was straightforward, polite, and professional. He got me exactly what I was looking for in the time that I needed it. Highly recommend for lending needs.
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Product: Cobalt Credit Union Personal Loans
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Cobalt Credit Union @CobaltCU
Hello, Jace! Thank you so much for your feedback. We are so happy Richard was able to help answer all your questions and assist you with your loan. Thank you for being a member.
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Cobalt Credit Union
wagsandwishes @wagsandwishes
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1 Star Rating
Horrible customer service! I'm old enough to remember great customer service no matter what company you called when those wise representatives actually listened to you, didn't talk over you, didn't get mad, rude, or disrespectful, and actually solved your problems. And then they would say thank you, have a nice day. Unfortunately, this is not the case with Cobalt Credit Union.
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Product: Cobalt Credit Union Savings
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Cobalt Credit Union @CobaltCU
Thank you for informing us of your experience. We are sorry it did not reflect the level of service we aim to provide. If you are willing, please reach out through Live Chat at cobaltcu.com or call our Contact Center at 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
Irritated Customer @no_cobalt
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1 Star Rating
One of the worst experiences I've ever had with any bank. Falsely accused me of fraud, never got back to me to resolve it, and acted totally unprofessionally. Do not bank with Cobalt.
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Product: Cobalt Credit Union Checking
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Cobalt Credit Union @CobaltCU
Thank you for sharing this feedback. We are sorry your situation was not resolved appropriately and that you did not receive a timely follow-up. If you are willing, please connect with us through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
scali57 @scali57
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1 Star Rating
This credit union is the absolute worst business I have ever dealt with. They charge you ridiculous fees for everything. But that is not the worst part. Their employees are absolutely and systematically rude. You don't even have to have an issue with them, and they are still rude.
I will be finding somewhere else to bank. I had rude in caps, but alas, they changed it. Go figure.
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Product: Cobalt Credit Union Checking
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Cobalt Credit Union @CobaltCU
Thank you for bringing this to our attention. We are sincerely sorry your experiences did not reflect the level of service we aim to provide. If you would be willing to discuss this further, please reach out to us through Live Chat at cobaltcu.com or call 402.292.8000 to speak directly with a support agent.
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Cobalt Credit Union
Brutus Beefcake @bbarber9
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1 Star Rating
It's my money, not yours. This pending issue is ridiculous. It can disappear right away, but it takes a monumental task to have it returned; then they sit and look at it for another 2 or 3 days. Up to this point, I had received great service, but today, two individuals didn't even say, 'Let me see what, if anything, I can do.' The answer was just no. I realize that is easier than putting forth any effort.
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Product: Cobalt Credit Union Checking
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Cobalt Credit Union @CobaltCU
Thank you for taking the time to share your experience with us. We are sorry your concerns were dismissed and that you did not receive the level of support we strive to provide. If you are comfortable doing so, please contact us through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
Malinda R @wonhappygirl
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1 Star Rating
Since 11/30 until today, I have been trying to transfer money from my Cobalt CU account to my other Schools First CU account. It is now 12/18 and my CU has been verified, two mini deposits have been made, and I still cannot get my transfer completed! I called this morning to have the phone teller complete my transfer, but she said she was unable to do the transfer. I would need to do a video banking transfer. Kim at video banking said she was unable to do any transfers and would consult with her VP, who will call me to finish my transfer shortly. I never heard from the VP, so I called back asking for the VP. I just got off the phone with the VP who said he was at lunch and would call me when he's done with his lunch. This is the most disappointing credit union ever. I am a member of two other well-known credit unions much larger than Cobalt and the customer service is seamless.
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Product: Cobalt Credit Union Savings
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Cobalt Credit Union @CobaltCU
Thank you for bringing this to our attention. We apologize that your support experience was mishandled. If you are willing, please reach out to us through Live Chat at cobaltcu.com or call 402.292.8000 to speak with an agent directly.
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Cobalt Credit Union
Lynette @lynettes
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1 Star Rating
Verified Customer
They are a rip off. I will never do business with them again. Hard to contact. High interest, poor customer service. I refinanced my car. HUGE mistake!
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Product: Cobalt Credit Union Car Loans
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Cobalt Credit Union @CobaltCU
Thank you for sharing this feedback. We apologize that your refinance experience fell short, and we regret the difficulty you experienced in contacting our team. If you are willing, please reach out through our Live Chat at cobaltcu.com or call our Contact Center at 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
Dre Shaw @deandreshaw0000
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1 Star Rating
Cobalt credit union is nothing but a scam. I do not have a vehicle, so I had someone take me to the bank to deposit cash so that my account would not go negative. Their systems were down so I couldn’t deposit my money. My account went negative because of it and they refuse to refund any fees because I “could’ve came back in a few days” when in reality I shouldn’t be held responsible for what their system caused. Absolutely terrible company and I rarely leave their business happy. Money comes first. No the customer. No accountability at all. I have no issue with the worker at the branch, but the higher ups who refuse to run a respectable business have forced me to switch banks. Rude and distasteful and I honestly hope the whole branch goes under.
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Product: Cobalt Credit Union Checking
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Cobalt Credit Union @CobaltCU
Thank you for providing this feedback. We are sorry that this situation was not handled more appropriately. If you are willing, please contact us again through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
Deborah @dsteeleomaha
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5 Star Rating
Verified Customer
I had a relatively thin credit file at the time I needed this car loan and I got an excellent interest rate considering. I also like the fact that I've been able to skip a pay occasionally and apply the payment to other things as I've been working to get back on my feet financially. That has really come in handy several times over the past couple of years, allowing me to stay on track and work on raising my credit score. Proudly a member of the 700+ credit score club.
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Product: Cobalt Credit Union Car Loans
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Cobalt Credit Union
cdkerby1 @cdkerby1
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1 Star Rating
Cobalt credit Union is known for fees. Steep fees of $35. Fees for everything. Fees for pulling out of savings into checking. Veridian Federal Credit Union has no fees. The fees at Cobalt seem punitive. Even when a customer is going to make a deposit to make their account in good standing Cobalt will still assess a fee upwards of $35. My advice to anybody who wants to bank at Cobalt is to not do it. There are better institutions out there. Veridian offers a money market of .60% Cobalt cannot compete with that money market. Shop around before you go with Cobalt. This is coming from someone who has been with Sac Federal Credit Union for over 30 years. SAC FCU changed to cobalt. Once Cobalt took over, Cobalt is no longer the customer owned company that it used to be. Cobalt is all about making money and big business. Don't be fooled by their write-up saying it's customer owned. They're out for the money.
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Product: Cobalt Credit Union Checking
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Cobalt Credit Union @CobaltCU
Thank you for your feedback. We are sorry to hear your experience has changed over time and that you have concerns about fees and service. If you are willing, please reach out through Live Chat at cobaltcu.com or call 402.292.8000 to speak directly with a member of our team regarding this concern.
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Cobalt Credit Union
Nope Nope @Hawksboys
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1 Star Rating
The absolute worst credit union. They will fee you for everything and then be extremely rude when asking about charges. Example when we recently received the stimulus checks it showed as a pending deposit which normally goes through the next day. So I paid a bill that day knowing it wouldn’t go through until after the stimulus cleared. Nope they had that and three other charges go through first so they could collect 3 overdraft fees first. Then you call to ask what happened and they're extremely rude. They’re prime representation of money over doing what’s right.
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Product: Cobalt Credit Union Business Services
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Cobalt Credit Union @CobaltCU
Thank you for bringing this to our attention. We are sorry for the frustration you experienced and for how support was handled at that time. If you are open to a conversation, please do not hesitate to get in touch with us through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
Joe Guest @jguest
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1 Star Rating
If no stars was an option I would give them it. After 4 years top long I'm done with this bank. Horrible customer service, seems like you do what they say with your money. Not the other way around. The Blair Ne. Branch is the worst, ladies are very rude and don't care, I'm closing the account Monday when my paycheck that has been going into that account for 4 straight years every other week like clock is now pending and will post 4 days later from the time they received the money.
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Product: Cobalt Credit Union Checking
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Cobalt Credit Union @CobaltCU
Thank you for providing this feedback. We apologize that the service and processing delays you described did not meet the standards we hold ourselves to. If you are willing, please reach out through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
matt_taylor68022 @matt_taylor68022
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1 Star Rating
Verified Customer
Don't do business with this bank!!! These people are idiots! My fiance sent in my truck payment in to them and wrote on the check my name and loan #. They're not smart enough to figure it out and now are trying to charge me a late fee!
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Product: Cobalt Credit Union Car Loans
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Cobalt Credit Union @CobaltCU
Thank you for sharing feedback. We are sorry this situation was not handled with the attention and accuracy we strive to provide. If you are willing, please get in touch with us through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union
Susan @susanisabell
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5 Star Rating
Verified Customer
Love the customer service at my local branch. Alex has always gone above and beyond to ensure our satisfaction and has helped worked miracles for my family. His is an honest banker who provides clear and straight forward information.
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Product: Cobalt Credit Union Car Loans
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Cobalt Credit Union
kkreiker @kkreiker
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1 Star Rating
What if you had to call a bank's customer service line to make online purchases - both domestic and foreign? What if you were given a 10-minute window to make these purchases? What if you called 12 (yes 12) times to correct the situation? What if you were never given an explanation? What if the matter wasn't insufficient funds or fraudulent charges and still no explanation was given? What if the customer service person told you it'd be better if you took your business elsewhere? That's Sac Federal Credit Union and I will be taking my business elsewhere.
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Product: Cobalt Credit Union Business Services
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Cobalt Credit Union @CobaltCU
Thank you for sharing this experience. We apologize that the support you received fell short of the clarity and service quality we strive to provide. If you are willing, please reach out through Live Chat at cobaltcu.com or call 402.292.8000 to speak with a support agent directly.
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Cobalt Credit Union Offers
Business Services
Car Loans
Checking
Credit Cards
Home Equity
Investments
Mortgages
Personal Loans
Savings
CDs
Cobalt Credit Union Q&A(1 question)
Get answers to your questions about Cobalt Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Cobalt Credit Union does not explicitly disclose whether it reviews banking records, such as those maintained by ChexSystems, as part of its account opening process. However, many U.S. financial institutions do use such systems to screen applicants for issues like unpaid fees, involuntary account closures, or suspected fraud.
To apply for a checking account with Cobalt Credit Union, you must meet its eligibility criteria. For the most up-to-date information, visit Cobalt Credit Union's website or contact its customer service by phone at (800) 228-0392.
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