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Current Rates

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Cornerstone’s Latest Rates

Loan rates are subject to fluctuation as different factors change from day to day. 

See the current rates at Cornerstone for share certificate dividends, loans, banking services and more and find out how much you can save when you take the next steps on your financial journey with us.

Loan Rates

Effective as of October 17, 2023 – APR represents Annual Percentage Rates.

 

PRODUCT TYPE APR*
Freedom Equity Line of Credit** as low as prime* (variable rate)
Freedom Equity Fixed Rate Term Loan** as low as prime* minus 1.00% (fixed rate)
Auto Loan as low as 6.74%
Shared Secured Loan 3.5% over stated Share Account dividend rate
Recreational Vehicle Loans as low as 7.75%
Unsecured Loans as low as 9.99%
VISA® Classic- max $5,000 9.90%***
VISA® Gold – max $10,000 8.90%***
VISA® Platinum – max $15,000 7.90%***
   

 

*APR=Annual percentage rates.  All loans are subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates and terms available. Special promotional rates may apply. Rates and terms are subject to change without prior notice.  Please call the Loan Center for details.
** Prime rate is  8.50% effective 7/28/2023 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, whichever is less. You must pay certain fees to third parties to open the plan. These fees generally total between $300.00 and $1,800.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.  Variable rate applies.

***1% Foreign Transaction Fee, Variable rate applies.  Must be a member of Cornerstone Community FCU to apply.

 

Share Certificate Dividend Rates and Annual Percentage Yield*

Effective September 14, 2023 – APY represents Annual Percentage Yield

TERM CERTIFICATE TYPE DIVIDEND RATE APY
91 day* Personal 0.150% 0.150%
IRA 0.200% 0.200%
6 month* Personal 0.250% 0.250%
IRA 0.499% 0.500%
9 month ** Personal 5.117% 5.250%
1 year* Personal 3.682% 3.750%
IRA 0.995% 1.000%
13 month ** Personal 5.117% 5.250%
15 month ** Personal 5.117% 5.250%
18 month* Personal 3.922% 4.000%
IRA 5.117% 5.250%
2 year* Personal 3.682% 3.750%
IRA 2.469% 2.500%
3 year* Personal 3.440% 3.500%
IRA 2.225% 2.250%
4 year* Personal 2.713% 2.750%
IRA 1.980% 2.000%
5 year* Personal 2.225% 2.250%
IRA 1.735% 1.750%

 

Disclaimer:   *Minimum balance to open certificate and earn Annual Percentage Yield is $500 or $50 for members under 18. Not responsible for typographical errors. Fees may reduce earnings. Rates are subject to change at any time.  Early withdrawal penalties may apply. IRA and business certificates excluded from the above certificate rates.     

**The 9-month, 13-month and 15-month member certificate special, including the stated Annual Percentage Yield (APY*), are a limited time offer. Cornerstone Community FCU reserves the right to modify or cancel these offers at any time without notice. The 9-month month member certificate requires a $500 minimum balance, $15,000 maximum balance, limit of one per member and new/existing funds are eligible. The 13-month member certificate requires a $500 minimum balance and a minimum of 50% new money. New money is an increase in total balance on deposit after May 31, 2023. The 15-month member certificate requires a $500 minimum balance, $5,000 maximum balance, limit of one per member and new/existing funds are eligible. IRA and Business Certificates are excluded from both promotions. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the length of the product term. Penalties apply for early withdrawals from certificates. Membership eligibility required. Other restrictions may apply.

Share Dividend Rates and Annual Percentage Yield*

 

PRODUCT TYPE MINIMUM BALANCE TO EARN DIVIDENDS DIVIDEND RATE APY
Money Market+ $2,500 – $4,999.99 0.025% 0.025%
$5,000.00 – $24,999.99 0.025% 0.025%
$25,000.00 – $49,999.99 0.0.25% 0.025%
$50,000.00 – and more 0.025% 0.025%
Premium Money Market++ $0 – $24,999.99 0.000% 0.000%
$25,000.00 – $49,999.99 0.050% 0.050%
$50,000.00 – $99,999.99 0.050% 0.050%
$100,000.00 – and more 0.050% 0.050%

+ Rates effective as of May 31, 2023
++ All Annual Percentage Yields (APY) are variable rates and may change without notice. Opening deposits for all premium money market accounts must be new money not already on deposit with Cornerstone of at least $25,000. There is a limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, then dividends will not be issued. Dividends will be paid monthly based on the average daily balance in the account at each tier level. Rates effective for month: May 31, 2023.

 

PRODUCT TYPE DIVIDEND RATE APY MINIMUM BALANCE TO OPEN MINIMUM AVERAGE DAILY
BALANCE TO EARN APY
Regular Shares** & Sub Accounts** 0.010% 0.010% $5.00 $50.00
IRA Account*** 0.100% 0.100% $500.00 $50.00
Community Checking**** 5.120% 5.250% $0.00 $0.00
Member Plus Checking*** 0.010% 0.010% $0.00 $1,000.00
Christmas, HSA & Vacation Clubs*** 0.010% 0.010% $0.00 $50.00

*Fees may reduce earnings on the account, and rates may change after account is open.

**Minimum deposit to open CCFCU Share Account is $5.00
*** Rates effective for quarter ending:  May 31, 2023                                                                                                          ****Rates effective September 1, 2023 on balances up to $10,000. Terms and conditions apply. See Checking Accounts page for details.

 

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Current Rates

Cornerstone CFCU offers great, competitive rates for mortgages, auto loans, personal loans and more. Check out our current rates and see how you can save.

Credit Card

Rates as low as

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Auto

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Share Certificate

Rates as high as

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Personal Loan

Rates as low as

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Home Equity Line of Credit

Intro Rate as low as

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