SAC

Headquarters

Po Box 1149
Bellevue, NE 68005
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	N.A.	4.80% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Sac is an NCUA insured institution located in Bellevue, NE. It was founded in 1946 and has approximately $1009.48 millions in assets.

Who can join?

Individuals qualify for membership through living, worshiping, working (or regularly conducting business in) or attending school in Douglas, Sarpy, Cass, Washington, and Saunders Counties, NE and Pottawattamie, Mills, and Harrison Counties, IA. Businesses and other entities qualify if they are located within any of the eight counties. If a member of your immediate family is a member of Cobalt Credit Union, you are also eligible for membership.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 5400
Date Established	1946
Assets	$1,009.48 million
Loans	$848.71 million
Deposits	$765.09 million
Capital	$84.60 million

Field of Membership Restrictions

Membership in Cobalt Credit Union is open to the following: 1) those who live, work, attend school or worship in Cass, Douglas, Sarpy, Saunders, or Washington counties in Nebraska OR Carroll, Crawford, Harrison, Ida, Mills, Monona, Pottawattamie, Sac, or Shelby counties in Iowa; 2) employees or retirees of SpartanNash and their immediate family; 3) immediate family of current members.

Deposit Rates - November 25, 2024

Your Current Location: Ohio, OH 43085

Checking Rates	APY	MIN	FEE
Elite Checking Account	3.25%	$0	$0.00	Learn MoreShow Less

Advertiser Disclosure

Loan Rates - November 25, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for SAC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.356%	6.250%	0.63	$3,600	$1,971	Learn More
NMLS ID: 66247	6.452%	6.375%	0.75	$2,586	$1,997	Learn More
NMLS ID: 1025894	6.710%	6.625%	0.63	$2,818	$2,049	Learn More
NMLS ID: 401822	7.034%	6.875%	1.00	$5,195	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
All terms are estimates until underwriting is complete. Offer shown includes a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Offers are only valid in states where Achieve is licensed. Loans are not available to residents of all states and available loan terms and fees may vary by state where offered. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to SAC
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Sac branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Sac Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Headquarters	236.36	A	View Lobby Hours
Council Bluffs Branch	685.71	B	View Lobby Hours
Council Bluffs Super Saver Branch	686.33	C	View Lobby Hours
Lake Manawa Walmart	686.39	D	View Lobby Hours
Plattsmouth Branch	687.96	E	View Lobby Hours
Bldg 500 Branch	689.28	F	View Lobby Hours
Offutt Branch	689.33	G	View Lobby Hours
Bellevue Branch	689.95	H	View Lobby Hours
South Omaha Branch	691.69	I	View Lobby Hours
Main Branch	692.24	J	View Lobby Hours
31ST AMES	693.12	K	View Lobby Hours
Shadow Lake HyVee Branch	695.28	L	View Lobby Hours
Papillion Branch	696.44	M	View Lobby Hours
Peony Park Hy Vee	697.00	N	View Lobby Hours
Mid-Town HyVee Branch	697.35	O	View Lobby Hours
HY VEE STONY BROOK	701.81	P	View Lobby Hours
Millard Branch	702.54	Q	View Lobby Hours
Gretna Walmart	702.61	R	View Lobby Hours
Maple Branch	704.67	S	View Lobby Hours
NP Dodge - Elkhorn	1088.40	T	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Cobalt Credit Union is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Sac Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sac. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Sac	U.S. Average
11.71%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Sac had $10,757,417 in non-current loans and $20,095 in owned assets. To cover these potential losses it had $84,596,346 in net worth and $7,454,728 in loans loss reserves. That gives it a Texas Ratio of 11.71%.

Net Worth

Sac	U.S. Average
8.38%	13.93%

Sac FCU has a net worth of 8.38% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for SAC

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