Savings & Investment Products
If you’re looking for a safe and convenient way to invest your hard-earned money, Cornerstone Community Financial has a dividend-earning account or certificate that is right for you.
We have a variety of savings accounts listed below and several certificates of deposit so you can choose the right savings plan for your needs.
Regular Savings 
You instantly become a member of Cornerstone Community Financial with a $10 deposit into your savings account. That’s a tremendous bargain considering you’ll be immediately entitled to unlimited deposits and withdrawals, as well all the services and products offered to CCF members. Dividends are paid on a quarterly basis once the balance reaches $50.
Open your savings account today and start enjoying the benefits of membership at CCF!
Rainy Day Account
Our Rainy Day Account is an ideal savings tool to help you save for special goals such as vacation, gifts or unexpected emergencies. You can have up to eight different Rainy Day accounts, with each account named differently to reflect the specific savings goals. Examples include Vacation Account or Property Tax Account. Rainy Day Accounts have no minimum balance and dividends are paid quarterly once the balance reaches $50.
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Holiday Share Account
A Holiday Share Account is a great way to diligently stash a few dollars away each month to avoid the financial stress the holidays can present. The program starts October 16 of each year and you’ll have access to your cash on October 15 of the following year, in plenty of time to shop. You can make unlimited deposits into the Holiday Share Account throughout the year. Funds are available for early withdrawal with a $15 penalty.
Business Share Account
Becoming a CCF business member is as simple as opening a savings account for a minimum $10 deposit. You immediately can benefit from reliable financial services that free you to focus on what matters most – your business. You also earn quarterly dividends on your balance.
A minimum $10 Personal Share Savings account is required to open a Business Share Account. Dividends paid quarterly on balances over $50.
Spend to Save
Wouldn’t it be nice if saving money were as easy as spending it? Now it is with CCF’s Spend to Save program! Sign up for Spend to Save, and every time you enjoy the convenience of your CCF Visa check card to buy everyday items like gas, groceries or coffee, we’ll round up your purchase to the nearest whole dollar and transfer the difference into your CCF Spend to Save account.
So, if you buy something for $19.05, we’ll debit your account a total of $20.00, and then transfer 95 cents to your Spend to Save account. Buy something for $11.25, the debit will total $12.00, of which 75 cents will go into your Spend to Save account. And while all that change will add up fast, we’ll help it add up even faster.
More Information on Spend to Save
Boom Teen Savings Account
Designed just for members age 13-17*, BOOM is a great way for teens to learn to manage their finances before they go out on their own.
BOOM offers teens a savings account, checking account and special certificates of deposit, as well as special BOOM personal loans and a Visa credit card, both with reasonable credit limits. Please note that some products have specific age restrictions.
*Please note that some products have specific age restrictions.
Hula Moolah Kids Club Youth Savings Account
The Hula Moolah Kid’s Club is a program designed to teach kids ages 12 and under the importance of saving money at a level they can understand. Hula Moolah Kid’s Club members receive a special Hula Moolah membership card and punch card that rewards them for consistent saving.
More information on Hula Moolah
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Insured Money Market Investment Account (IMMIA)
Keep a minimum balance of $2,500 in an IMMIA and you’ll find your money earning more! You can still access your money at any time without penalty. Dividends are paid monthly.
Platinum Insured Money Market Investment Account (Platinum IMMIA*)
If you’re interested in earning a higher dividend rate on balances of $25,000 or more, check out our Platinum IMMIA! Just like our regular IMMIA, you’ll have easy access to your funds because there is no set time commitment. And with the rate tiers on the Platinum IMMIA, you’ll continue to earn more as you save more!
*If account balance falls below the $25,000 minimum, your dividends will be paid at the rate of the IMMIA tier in which your new balance falls. Withdrawals from the Platinum IMMIA are limited to $500 or more.
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