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.
| PRODUCT TYPE | APR* |
|---|---|
| Freedom Equity Line of Credit** | Intro Rate as low as 3.99% (variable rate) |
| Freedom Equity Fixed Rate Term Loan** | 3.99% APR* 12-month Intro Rate (fixed rate) |
| Auto Loan | 5.54% APR* |
| Shared Secured Loan | 3.50% over stated Share Account dividend rate |
| Recreational Vehicle Loans | as low as 7.75% APR* |
| Unsecured Loans | as low as 9.99% APR* |
| VISA® Classic- max $5,000 | 9.90%*** |
| VISA® Gold – max $10,000 | 8.90%*** |
| VISA® Platinum – max $15,000 | 7.90%*** |
Effective as of November 8, 2024 – APR represents Annual Percentage Rates.
*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 7.75% effective as of 11/8/2024 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.
**** The Freedom Equity Fixed Rate Term Loan rates are determined using the 5-Year U.S. Treasury Note as the index. The qualifying rate is subject to a margin. Rates will be updated weekly based on the 5-Year U.S. Treasury Note rate as of the date of the update.
| TERM | CERTIFICATE TYPE | DIVIDEND RATE | APY |
|---|---|---|---|
| 91 Day* | Personal | 0.150% | 0.150% |
| 91 Day* | IRA | 0.200% | 0.200% |
| 6 month* | Personal | 3.922% | 4.000% |
| 6 month* | IRA | 0.499% | 0.500% |
| 9 month* | Personal | 3.922% | 4.000% |
| 1 year* | Personal | 3.440% | 3.50% |
| 1 year* | IRA | 0.995% | 1.000% |
| 13 month* | Personal | 3.440% | 3.50% |
| 15 month* | Personal | 3.440% | 3.50% |
| 18 month* | Personal | 3.440% | 3.50% |
| 18 month* | IRA | 3.682% | 3.750% |
| 2 year** | Personal | 3.440% | 3.500% |
| 2 year** | IRA | 3.440% | 3.500% |
| 3 year** | Personal | 3.922% | 4.00% |
| 3 year** | IRA | 3.440% | 3.500% |
| 4 year** | Personal | 3.440% | 3.500% |
| 4 year** | IRA | 3.440% | 3.500% |
| 5 year** | Personal | 3.440% | 3.500% |
| 5 year** | IRA | 1.735% | 1.750% |
Effective as of January 8, 2025 – APR represents Annual Percentage Rates.
Disclaimer: *Minimum balance to open certificate and earn Annual Percentage Yield is $500. 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.
**Unlock with the Rock Terms & Conditions: The 3-year member certificate, including the stated Annual Percentage Yield (APY*), is a limited time offer. Cornerstone Community FCU reserves the right to modify or cancel this offer at any time without notice. The 3-year member certificate requires a minimum balance of $500. IRA and Business Certificates are excluded from this offer. Once the 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. If maturity of the certificate is two years or more, the forfeiture of dividends is equal to the smaller of the following two amounts: dividends since the date of issuance or renewal, or 30 days dividends.
| MINIMUM BALANCE TO EARN DIVIDENDS | DIVIDEND RATE | APY |
|---|---|---|
| $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 | 0.025% | 0.025% |
| $50,000.00 – and more | 0.025% | 0.025% |
| MINIMUM BALANCE TO EARN DIVIDENDS | DIVIDEND RATE | APY |
|---|---|---|
| $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**** | 5.127% | 5.250% | $0.00 | $0.00 |
| Community Savings***** | 2.227% | 2.250% | $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.
*****Rates effective January 26, 2024. Terms and conditions apply. See Community Savings Disclosure for details.