Cobalt Federal Credit Union

Headquarters: Papillion, Nebraska
Charter: Credit Union
Assets: $1.3B
Fed district: Kansas City

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Cobalt Federal Credit Union: $15
Cobalt Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
Cobalt Federal Credit Union: $3
Cobalt Federal Credit Union: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Cobalt Federal Credit Union: $25
Cobalt Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Cobalt Federal Credit Union · $1.3B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$1.3B to $1.4B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Cobalt Federal Credit Union(this institution)	Papillion, NE	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
American First Federal Credit Union	Brea, CA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Directions Federal Credit Union	Toledo, OH	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Efcu Financial Federal Credit Union	Baton Rouge, LA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers Insurance Federal Credit Union	Los Angeles, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Five Star Federal Credit Union	Dothan, AL	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Guardian Federal Credit Union	Prattville, AL	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Educators Federal Credit Union	Pasadena, TX	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gulf Winds Federal Credit Union	Pensacola, FL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Island Federal Credit Union	Hauppauge, NY	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Los Angeles Federal Credit Union	Glendale, CA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Los Angeles Police Federal Credit Union	Van Nuys, CA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Empl.Credit Union of Balt	Baltimore, MD	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Notre Dame Federal Credit Union	Notre Dame, IN	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Orion Federal Credit Union	Memphis, TN	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Service Federal Credit Union	Concord, CA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Patriot Federal Credit Union	Chambersburg, PA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Quorum Federal Credit Union	Purchase, NY	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rize Federal Credit Union	El Monte, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Sharonview Federal Credit Union	Fort Mill, SC	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sidney Federal Credit Union	Sidney, NY	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Silver State Schools Federal Credit Union	Las Vegas, NV	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southland Federal Credit Union	Los Alamitos, CA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Employees Federal Credit Union	Santa Fe, NM	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Truity Federal Credit Union	Bartlesville, OK	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wright Patman Congressional Federal Credit Union	Washington, DC	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $10 (200%) above the median of similar-sized credit unions.

Its published price is $15, against a peer median of $5 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Cobalt Federal Credit Uni…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Cobalt Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$15
per month
Inactive Account$10
Paper Statement Mailed$5
Excess Withdrawal Item Over 6$15
Bad Address (one-time fee)$5

Overdraft & NSF

Overdraft Transfer (pulled from transferring acct)$5

ATM & Card

Non-Cobalt ATM's$3
Card Replacement$5
Rush Delivery of Embossed Card$50

Wire Transfers

Wire Out Charge: Domestic$25
Wire Out Charge: International$40

Check Services

Cashier's Check (each)$5
per item
Money Order (each)$3
per item
Stop Payment (initial or renewal)$35
Non-Member ONUS Check Cashing (per item)$5
per item

Digital & Electronic

ACH Origination (outgoing debit)$15

Cash & Deposit

Returned Check (funds available Deposit item)$25

Account Services

Key Replacement$10
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$70
Safe Deposit Box 3X5$25
Safe Deposit Box 5X10$45
Safe Deposit Box 5X5$30
Garnishment/Levy$100

Other Fees

Skip Payment$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$15	per month	None
Inactive Account	$10	Not stated	None
Paper Statement Mailed	$5	Not stated	None
Excess Withdrawal Item Over 6	$15	Not stated	None
Bad Address (one-time fee)	$5	Not stated	None
Overdraft & NSF
Overdraft Transfer (pulled from transferring acct)	$5	Not stated	None
ATM & Card
Non-Cobalt ATM's	$3	Not stated	None
Card Replacement	$5	Not stated	None
Rush Delivery of Embossed Card	$50	Not stated	None
Wire Transfers
Wire Out Charge: Domestic	$25	Not stated	None
Wire Out Charge: International	$40	Not stated	None
Check Services
Cashier's Check (each)	$5	per item	None
Money Order (each)	$3	per item	None
Stop Payment (initial or renewal)	$35	Not stated	None
Non-Member ONUS Check Cashing (per item)	$5	per item	None
Digital & Electronic
ACH Origination (outgoing debit)	$15	Not stated	None
Cash & Deposit
Returned Check (funds available Deposit item)	$25	Not stated	None
Account Services
Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$70	Not stated	None
Safe Deposit Box 3X5	$25	Not stated	None
Safe Deposit Box 5X10	$45	Not stated	None
Safe Deposit Box 5X5	$30	Not stated	None
Garnishment/Levy	$100	Not stated	None
Other Fees
Skip Payment	$50	Not stated	None

Correct a fee source

Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Cobalt Federal Credit Union's nsf / returned item changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Cobalt Federal Credit Union: $15
Cobalt Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
Cobalt Federal Credit Union: $3
Cobalt Federal Credit Union: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Cobalt Federal Credit Union: $25
Cobalt Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Cobalt Federal Credit Union · $1.3B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$1.3B to $1.4B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Cobalt Federal Credit Union(this institution)	Papillion, NE	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
American First Federal Credit Union	Brea, CA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Directions Federal Credit Union	Toledo, OH	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Efcu Financial Federal Credit Union	Baton Rouge, LA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers Insurance Federal Credit Union	Los Angeles, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Five Star Federal Credit Union	Dothan, AL	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Guardian Federal Credit Union	Prattville, AL	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Educators Federal Credit Union	Pasadena, TX	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gulf Winds Federal Credit Union	Pensacola, FL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Island Federal Credit Union	Hauppauge, NY	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Los Angeles Federal Credit Union	Glendale, CA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Los Angeles Police Federal Credit Union	Van Nuys, CA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Empl.Credit Union of Balt	Baltimore, MD	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Notre Dame Federal Credit Union	Notre Dame, IN	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Orion Federal Credit Union	Memphis, TN	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Service Federal Credit Union	Concord, CA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Patriot Federal Credit Union	Chambersburg, PA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Quorum Federal Credit Union	Purchase, NY	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rize Federal Credit Union	El Monte, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Sharonview Federal Credit Union	Fort Mill, SC	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sidney Federal Credit Union	Sidney, NY	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Silver State Schools Federal Credit Union	Las Vegas, NV	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southland Federal Credit Union	Los Alamitos, CA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Employees Federal Credit Union	Santa Fe, NM	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Truity Federal Credit Union	Bartlesville, OK	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wright Patman Congressional Federal Credit Union	Washington, DC	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $10 (200%) above the median of similar-sized credit unions.

Its published price is $15, against a peer median of $5 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Cobalt Federal Credit Uni…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Cobalt Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$15
per month
Inactive Account$10
Paper Statement Mailed$5
Excess Withdrawal Item Over 6$15
Bad Address (one-time fee)$5

Overdraft & NSF

Overdraft Transfer (pulled from transferring acct)$5

ATM & Card

Non-Cobalt ATM's$3
Card Replacement$5
Rush Delivery of Embossed Card$50

Wire Transfers

Wire Out Charge: Domestic$25
Wire Out Charge: International$40

Check Services

Cashier's Check (each)$5
per item
Money Order (each)$3
per item
Stop Payment (initial or renewal)$35
Non-Member ONUS Check Cashing (per item)$5
per item

Digital & Electronic

ACH Origination (outgoing debit)$15

Cash & Deposit

Returned Check (funds available Deposit item)$25

Account Services

Key Replacement$10
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$70
Safe Deposit Box 3X5$25
Safe Deposit Box 5X10$45
Safe Deposit Box 5X5$30
Garnishment/Levy$100

Other Fees

Skip Payment$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$15	per month	None
Inactive Account	$10	Not stated	None
Paper Statement Mailed	$5	Not stated	None
Excess Withdrawal Item Over 6	$15	Not stated	None
Bad Address (one-time fee)	$5	Not stated	None
Overdraft & NSF
Overdraft Transfer (pulled from transferring acct)	$5	Not stated	None
ATM & Card
Non-Cobalt ATM's	$3	Not stated	None
Card Replacement	$5	Not stated	None
Rush Delivery of Embossed Card	$50	Not stated	None
Wire Transfers
Wire Out Charge: Domestic	$25	Not stated	None
Wire Out Charge: International	$40	Not stated	None
Check Services
Cashier's Check (each)	$5	per item	None
Money Order (each)	$3	per item	None
Stop Payment (initial or renewal)	$35	Not stated	None
Non-Member ONUS Check Cashing (per item)	$5	per item	None
Digital & Electronic
ACH Origination (outgoing debit)	$15	Not stated	None
Cash & Deposit
Returned Check (funds available Deposit item)	$25	Not stated	None
Account Services
Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$70	Not stated	None
Safe Deposit Box 3X5	$25	Not stated	None
Safe Deposit Box 5X10	$45	Not stated	None
Safe Deposit Box 5X5	$30	Not stated	None
Garnishment/Levy	$100	Not stated	None
Other Fees
Skip Payment	$50	Not stated	None

Correct a fee source

Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.