Consumer Loans
Our loan program is one of the major reasons why our members prefer to trust their financing with Cornerstone Community Financial rather than depending on a large, impersonal bank. Our loan rates and terms are typically among the most competitive in the industry.
Look to us first when you need to borrow money for a new or pre-owned vehicle, classic car or recreational vehicle. Not only does CCF offer excellent rates, but our repayment methods can make your life a little less complicated.
Click here for our Loan Rates
New & Used Autos 
Whether your dream vehicle is new or used, you’ll get the same low rate at CCF. Our flexible terms make it easy to get a monthly payment that won’t break your budget. Apply now and in no time you’ll be in the driver’s seat!
Need help shopping for the perfect used vehicle? CCF members can find thousands of quality used vehicles and haggle-free pricing at Enterprise Car Sales and Repos4sale.com!
10-Second Approval Lending Center
Patience might be a virtue but there’s nothing like getting a fast answer when you’re applying for a loan. Thanks to our 10-Second Approval Lending Center, our goal is to approve a loan faster than the time it took you to read this short paragraph.
To apply, just click here. If you prefer, you can also call 866-281-1965. We’ll ask a few basic questions and you’ll receive an answer in a flash. Keep in mind this service is available 24 hours a day, 7 days a week.
Interested in Leasing? Driving Sense - Vehicle Financing Program
How would you like a vehicle financing program that combines the best features of conventional vehicle financing with the benefits of leasing? DrivingSense™ has the low monthly payments of a lease, plus the best part of conventional financing – actually owning the vehicle.
Like a lease, DrivingSense™ offers payments considerably lower than conventional financing. Yet, unlike leasing, with DrivingSense™ you own the vehicle and receive all of the flexibility and benefits of vehicle ownership!
Find out how low your DrivingSense™ payment could be! Click here to go to the DrivingSense™ CarBuilder calculator where you can build your car and compare a conventionally financed vehicle payment with the low DrivingSense™ payment. For more information about DrivingSense™, contact a financial services representative for more information!
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Hybrid Auto Loan Discount
Owning a Hybrid car just became more affordable! CCF now offers a 0.25% rate discount on any auto loan for a new or pre-owned Hybrid vehicle*. In addition to lowering gas expenses and emissions, lower your loan rate by obtaining this special discount.
*Qualifying Alternative Fuel Vehicles may include being powered by electricity, ethanol, propane, methanol, natural gas, bio diesel or hydrogen. Must be enrolled in e-statements.
Recreational Vehicles
If you’ve been daydreaming about zooming down the highway on a motorcycle, clipping waves in a sailboat, skimming over the water in a jet ski or maybe hitting the open road in an RV, we’ve got you covered! CCF offers the same loan low rate for new and pre-owned vehicles, and our flexible terms give you affordable monthly payments. Apply now so you don’t miss out on the fun!
Collectible Car Loans
Designed to take into consideration the special needs of the classic car enthusiast, our Collectible Car Loan can help you accurately appraise and finance the classic car of your dreams. With a wide variety of terms available, you’ll be cruising down the street in your collectible car in no time! Apply online and you’ll have your answer within 10 seconds, 24 hours a day, 7 days a week
Verify Your Insurance
CCF requires comprehensive insurance coverage, including physical damage, fire and theft insurance, on all vehicles financed through the credit union for the full term of the loan. Please ensure that CCF has a copy of your current insurance coverage. If we do not have this information on file, we may be forced to add collateral insurance, which increases the cost of your loan payment.
If you received a notice stating that CCF does not have a copy of the insurance policy or you simply want to verify your insurance coverage, you may visit www.myinsuranceinfo.com
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Auto-Related Links
The most important weapon to have in your car-buying arsenal is knowledge. You’ll find everything you need to make an informed purchase online, including new and used car values, reviews and links. Here are a few to get you started:
Kelley Blue Book National Automobile Dealers Association
Consumer Reports Repos4sale.com
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Home Equity Line of Credit (HELOC)
Home improvements, vacations, college tuition – you name it! Through the flexibility of our CCF Home Platinum Visa credit card, all of these major purchases are possible. Our HELOC is a revolving line of credit you can draw from for a period of 10 years. The rate is variable and can change quarterly.
With CCF’s 10-Second Approval Lending Center, you can put the equity in your home to work sooner than you think. Apply for a HELOC online or any time or at 866- 281-1965.
Fixed Rate Home Equity
Tapping into your home’s equity with a fixed rate home equity loan can free up cash for a significant purchase. A 5-year balloon term can be amortized over a 30-year period to keep your payments affordable. Keep in mind that the interest rate on these loans is often tax-deductible. *
* Consult with a tax advisor.
BOOM Loan
Both our BOOM unsecured Youth Loans and BOOM Youth Share Pledge Loans are available to the following BOOM members only:
- Ages 15-16: maximum $300 loan limit; 24-month maximum term
- Age 17: maximum $500 loan limit; 24-month maximum term
CCF BOOM loan helps our teen members learn to manage money. BOOM unsecured youth loans and boom share pledge loans have low limits and require a parent or guardian’s signature. For more information on our BOOM teen program, click here.
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Career Transition Assistance Loan Program
This loan program provides below market, unsecured educational loans to displaced workers for new or advanced training for a new vocation, trade or occupation. Highlights include:
- Members should have at least 2 years of prior full-time work experience
- Eligible members should be recently out of work, or in the process of losing his/her job
- Maximum $10,000 assistance per member
- No loan payments or interest accrued for 24 months from date of first loan disbursement
- Fixed rate loan for maximum of 10 years
- Checks made payable to the school and member
- Member must be in “good standing” and have been a CCF member for at least 12 months
- Textbook reimbursement up to $500 per semester
Contact a member services representative at 800- 777-6728 for more information and an application.
The CTP was developed by the Michigan Credit Union Industry, in partnership with the Michigan Department of Labor & Economic Growth. For additional information, visit www.ctpforcumembers.org
Student Loans
CCF offers several student loans to assist members with the costs of college education. Depending on the type of loan, funds are available to CCF members who are collegiate students, recent college graduates, and parents or stepparents financing a dependent’s education. The loans are offered as part of the Federal Family Education Loan program. These loans include:
Student loans are available for financing education at a 2- or 4-year non-proprietary school. Loans are not available for any proprietary school (beauty school, trucking school, etc). If a school’s financial aid department offers direct federal loans, students must go through the school to obtain a loan. Please contact a financial services representative for more information on student loans.
Please note: Loans are subject to applicable rules and regulations issued by the Department of Education, the Great Lakes Higher Education Corporation and the Credit Union Student Loan Network.
- Subsidized Federal Stafford Loans
- Unsubsidized Federal Stafford Loans
- Federal Parent Loans for Undergraduate Students (PLUS)
- Consolidation Loans
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