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Rates
Savings Rates
Certificate Rates
Loan Rates
VISA Card Programs
Mortgage Rates
| Secured Loans - New and Used Same LOW Rate |
| Effective Date: Sunday, February 5th, 2012 |
| Term | APR* as low as | Notes |
| Up to 60 Months |
2.75% |
|
| 72 Months |
3.75% |
Minimum Loan Amount $20,000 |
| 84 Months |
4.75% |
Minimum Loan Amount $25,000 |
| * APR = Annual Percentage Rate. Rates are "as low as" and are based on credit score and model year of vehicle. Rates are subject to change at any time. |
| Secured Loans 2005 and older add 2% to rate. |
| Leisure Vehicles |
| Effective Date: Sunday, February 5th, 2012 |
| ATVs, Motorcycles, Jet Ski's, Snowmobiles, Campers, Boats and RVs |
| Term | Rate |
| Up to 60 months |
4.75% |
| 72 Months* |
5.75% |
| 84 Months** |
6.25% |
| *Loan must be over $20,000 |
| **Loan must be over $25,000 |
| Add 2% to rate for security that is 2005 and older |
| Additional Loan Products |
| Effective Date: Sunday, February 5th, 2012 |
| Loan Type | Term | APR* as low as | Minimum Loan Amount |
| RV and Boat |
10 Year Fixed |
6.50% |
$25,000.00 |
| RV and Boat |
15 Year Fixed |
6.50% |
$35,000.00 |
| Personal / Unsecured |
As low as |
10.5% |
N/A |
| * APR = Annual Percentage Rate. Rates are "as low as" and are based on credit score. Rates are subject to change at any time. |
| Additional charges may apply (e.g. late payment fee). |
| VISA Card Programs |
| Effective Date: Sunday, February 5th, 2012 |
| Product | APR* as low as | Monthly Periodic Rate | Annual Fee | Grace Period** | Late Fee | Balance Computation Method |
| VISA Platinum |
10.00% |
0.83% |
None |
20 Days from statement close |
$25.00 |
Average daily balance including new purchases |
| VISA Platinum |
14.88% |
1.24% |
None |
20 Days from statement close |
$25.00 |
Average daily balance including new purchases |
| VISA Secured |
14.88% |
1.24% |
None |
20 Days from statement close |
$25.00 |
Average daily balance including new purchases |
| ** Grace period on new purchases only. |
Savings Rates
| Share Accounts |
| Effective Date: Sunday, February 5th, 2012 |
| Product | Minimum Balance | Dividend Rate | Paid | APY |
| Savings* |
$10.00 |
0.100% |
Quarterly |
0.100% |
| Rainy Day* |
None |
0.100% |
Quarterly |
0.100% |
| Holiday Share* |
None |
0.100% |
Quarterly |
0.100% |
| * Minimum balance of $50.00 required to earn dividends. |
| IMMIA |
| Effective Date: Sunday, February 5th, 2012 |
| Minimum Balance | Dividend Rate | Paid | APY |
| $2,500 -$7,499 |
0.100% |
Monthly |
0.100% |
| $7,500 - $12,499 |
0.150% |
Monthly |
0.150% |
| $12,500 - $19,999 |
0.200% |
Monthly |
0.200% |
| $20,000 - $24,999 |
0.200% |
Monthly |
0.200% |
| *Minimum balance of $50.00 required to earn dividends. |
| Platinum IMMIA |
| Effective Date: Sunday, February 5th, 2012 |
| Minimum Balance | Dividend Rate | Paid | APY |
| $25,000 -$39,999 |
0.250% |
Monthly |
0.250% |
| $40,000 - $99,999 |
0.300% |
Monthly |
0.300% |
| $100,000 - $249,999 |
0.350% |
Monthly |
0.350% |
| $250,000 - $499,999 |
0.350% |
Monthly |
0.350% |
| $500,000 and up |
0.400% |
Monthly |
0.400% |
| Checking Accounts |
| Effective Date: Sunday, February 5th, 2012 |
| Product | Minimum Balance | Dividend Rate | Paid | APY |
| Interest Checking |
$500.00 |
0.150% |
Monthly |
0.150% |
| Money Market Checking |
$2,500 - $7,499 |
0.100% |
Monthly |
0.100% |
| |
$7,500 - $12,499 |
0.150% |
Monthly |
0.150% |
| |
$12,500 - $19,999 |
0.200% |
Monthly |
0.200% |
| |
$20,000 and up |
0.200% |
Monthly |
0.200% |
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Certificates
| Share Certificates |
| Effective Date: Sunday, February 5th, 2012 |
| Term | Minimum Balance | Dividend Rate | APY | Paid |
| 6 Months |
$1,000.00 |
0.300% |
0.300% |
At Maturity |
| 12 Months |
$1,000.00 |
0.400% |
0.400% |
Quarterly |
| 18 Months |
$1,000.00 |
0.400% |
0.400% |
Quarterly |
| 24 Months |
$1,000.00 |
0.700% |
0.700% |
Quarterly |
| 36 Months |
$1,000.00 |
0.950% |
0.960% |
Quarterly |
| 48 Months |
$1,000.00 |
1.200% |
1.210% |
Quarterly |
| 60 Months |
$1,000.00 |
1.350% |
1.360% |
Quarterly |
| Classic level members receive an additional .10% on new share certificates; Premier level members receive an additional .20% on new share certificates (18 Month term or higher). |
| Jumbo Certificates |
| Effective Date: Sunday, February 5th, 2012 |
| Term | Minimum Balance | Dividend Rate | Paid | APY |
| 12 Months |
$50,000.00 |
0.500% |
Quarterly |
0.500% |
| 18 Months |
$50,000.00 |
0.600% |
Quarterly |
0.600% |
| 24 Months |
$50,000.00 |
0.900% |
Quarterly |
0.900% |
| 36 Months |
$50,000.00 |
1.150% |
Quarterly |
1.160% |
| 48 Months |
$50,000.00 |
1.400% |
Quarterly |
1.410% |
| 60 Months |
$50,000.00 |
1.550% |
Quarterly |
1.560% |
| Youth Certificates |
| Effective Date: Sunday, February 5th, 2012 |
| Term | Minimum Balance | Dividend Rate | Paid | APY |
| 6 Months |
$250.00 |
0.300% |
At Maturity |
0.300% |
| 12 Months |
$250.00 |
0.500% |
Quarterly |
0.510% |
| IRA Rates |
| Effective Date: Sunday, February 5th, 2012 |
| Term | Minimum Balance | Dividend Rate | Paid | APY |
| 12 Months |
$500.00 |
0.400% |
Quarterly |
0.400% |
| 18 Months |
$500.00 |
0.400% |
Quarterly |
0.400% |
| 24 Months |
$500.00 |
0.700% |
Quarterly |
0.710% |
| 36 Months |
$500.00 |
0.950% |
Quarterly |
0.960% |
| 48 Months |
$500.00 |
1.200% |
Quarterly |
1.210% |
| 60 Months |
$500.00 |
1.350% |
Quarterly |
1.360% |
| Jumbo* |
$50,000.00 |
0.400% |
Quarterly |
0.400% |
| *Jumbo is a 12 month IRA |
| IRA Share** |
$10.00 |
0.200% |
Quarterly |
0.240% |
| ** $50.00 minimum required to earn dividends |
| Classic level members receive an additional .10% on new IRA certificates; Premier level members receive an additional .20% on new IRA certificates (18 Month term or higher), excluding Jumbo CD's. |
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| Fixed Rate Mortgages |
| Effective Date: Sunday, February 5th, 2012 |
| Mortgage Program | Low Rates | Flexible Terms | Low Down Payment | Preapprovals | Rate Lock |
| Please visit our mortage servicing partner Member First Mortgage for up-to-date mortgage rates at www.memberfirstmortgage.com. |
| Adjustable Rate Mortgages (ARM) |
| Effective Date: Sunday, February 5th, 2012 |
| Mortgage Program | Low Rates | Flexible Terms | Low Down Payment | Pre-Approvals | Rate Lock |
| Please visit our mortage servicing partner Member First Mortgage for up-to-date mortgage rates at www.memberfirstmortgage.com. |
| Home Equity Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Loan Type | APR* as low as |
| Home Equity VISA Line of Credit |
4.25% |
| Fixed Rate Home Equity - 5 Year Fixed |
4.25% |
| Fixed Rate Home Equity - 10 Year Fixed |
4.75% |
| Fixed Rate Home Equity - 15 Year Fixed |
5.25% |
| * APR = Annual Percentage Rate. Rates are "as low as" and are based on credit score and Loan to Value (LTV). Rates are subject to change at any time. Please consult a CCF mortgage representative. |
This Rate Schedule sets forth certain conditions and rates applicable to your accounts at the Credit Union at this time. The Credit Union may offer other rates or amend the rates contained in this schedule at any time.
Please call (248) 340-9310 for current rates.
Cornerstone Community Financial is an equal housing lender.
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