Sterling Heights Grand Opening Celebration!
- Each child will receive FREE piggy bank* and learn about CCF’s CORE Youth Accounts
- Open a free CORE Youth Account and CCF will deposit a $25** in your child’s account!
- FREE delicious donuts from The Little Donut Factory food truck
- FREE custom balloon animals from Big Don’s Balloons
- PRIZES like movie tickets, gift cards and CCF goodies
Crack the Vault and WYCD 99.5 Ten Man Jam Ticket Drop
- Crack the vault to see if you’re the winner of a Jeep Grand Cherokee two-year lease from Jim Riehl's Friendly Chrysler Jeep. Receive a special code at the door and enter it into the kiosk to see if it’s the winning number! See below for offical rules.
- From 10 a.m. – 12:00 p.m., DJ Grunwald from 99.5 WYCD Detroit’s Country morning show will be on site for a Ten Man Jam Concert Ticket Drop, giving away a pair of tickets every ten minutes! You can ONLY win these tickets to the 2020 Ten Man Jam concert. Visit www.wycd.com for artist line up and more concert details.
- FREE delicious donuts from The Little Donut Factory food truck
- FREE custom-made signature coffees, hot chocolates or teas from The Cappuccino Man
- Prizes like gift cards, movie passes, CCF goodies and more.*
- Chat with the Cornerstone team to learn more about how we can help you achieve your financial goals in 2020!
*Attendees must be present to participate and win, no purchase necessary. Giveaways and food items are available while supplies last.Other restrictions may apply.
CORNERSTONE COMMUNITY FINANCIAL CRACK THE VAULT LEASE GIVEAWAY OFFICIAL RULES:
AGREEMENT TO OFFICIAL RULES: The Crack the Vault Lease Giveaway (the “Promotion”) is available only to legal residents of the state of Michigan, ages 18 and older, and shall be governed by Michigan law. By participating in the Promotion, you agree to abide by and be bound by these Official Rules and the decisions of Cornerstone Community Financial, which shall be final and binding in all matters related to the Promotion.
ELIGIBILITY: The Promotion is open and offered only to natural persons who are legal residents of Michigan, aged 18 or older at the time of entry. Employees and officials of Cornerstone Community Financial, Interactive Promotions Group, and their immediate families (parent, child, sibling or spouse) and/or persons living in their household, and any other persons or entities associated with this Promotion (“Official Family”) are ineligible to enter the Promotion or win the Prize. The Promotion is void outside of the state of Michigan and where otherwise prohibited by law.
SPONSOR/ADMINISTRATOR: The Promotion is sponsored by Cornerstone Community Financial (“Sponsor”), 2955 University Drive, Auburn Hills, MI 48326. The Promotion is administered by Sponsor’s third-party vendor, Interactive Promotions Group, 518 W. Lancaster Avenue, Haverford, PA 19041 (“Administrator”).
HOW TO PARTICIPATE: No purchase or payment of any kind is necessary to enter the Promotion. The Promotion will commence with the mailing of 5,000 postcards to residents in an around Sponsor’s Sterling Heights branch located at 44911 Mound Road, Sterling Heights, Michigan (the “Sterling Heights Branch”). Each postcard will contain a six- digit code. Eligible persons (“Participants”) may participate in the Promotion by bringing their postcard, in person, to the Sterling Heights Branch on Saturday, February 1, 2020 between the hours of 9:00 a.m. and 1:00 p.m. (the “Giveaway Period”). Participants will enter the code as shown on their postcard electronically at a kiosk to determine if their code is the Winning Code. In addition to the mailing of 5,000 postcards, there will be another 2,500 postcards available at the Sterling Heights Branch during the Giveaway Period, each containing a code which may be utilized by Participants to participate in the Promotion. There is a limit of one (1) postcard per Participant, and postcards are available solely on a first come, first serve basis. All Participants must enter their codes prior to 1:00 pm during the Giveaway Period, at which time the Promotion will immediately end.
Participation in the Promotion is limited to only one (1) postcard containing one (1) code per Participant. Participants having received a postcard by mail must enter the code on that postcard, and may not select a different postcard at the Sterling Heights Branch or enter any code other than the code that appears on that Participant’s postcard. Any attempt by any person to obtain more than one entry by using multiple/different, names, identities, or any other methods will void that person’s participation and will result in his/her disqualification from the Promotion and/or winning the Prize.
CONDITIONS OF PARTICIPATION: If for any reason the operation or administration of this Promotion is impaired or incapable of running as planned for any reason, including but not limited to (a) infection by computer virus, bugs, (b) tampering or unauthorized intervention, (c) fraud, (d) technical failures, or (e) any other causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Promotion, the Sponsor reserves the right, in its sole and absolute discretion, to disqualify any person who tampers with the entry process, and/or to cancel, terminate, modify or suspend the Promotion in whole or in part, at any time, without notice and award the applicable prize using all non-suspect eligible entries received as of, or after (if applicable) such cancellation, termination, modification or suspension date, or in any manner that is fair and equitable and best conforms to the spirit of these Official Rules. Sponsor reserves the right, in its sole and absolute discretion, to disqualify any person deemed to be tampering or attempting to tamper with the entry process and/or acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Failure by the Sponsor to enforce any provision of these Official Rules shall not constitute a waiver of that provision of the Official Rules. Sponsor reserves the right to amend these Official Rules or discontinue the Promotion at any time.
PROMOTION AND NOTIFICATION: The Promotion will be conducted on or about Saturday, February 1, 2020 at the Sterling Heights Branch between the hours of 9:00 a.m. and 1:00 p.m. Participants must be physically present at the Sterling Heights Branch in order to enter their code. Participants will be notified immediately upon the entry of their code whether or not their code was the Winning Code.
ODDS OF WINNING: Odds of winning will depend on the total number of Participants entering a Code during the Promotion Period. The approximate odds of winning the Prize are 1 in 7,500. All eligible Participants shall have an equal chance to win the Prize.
PRIZE: In the event a Participant enters the Winning Code, subject to verification of eligibility, compliance with and satisfaction of all circumstances described in these Official Rules, said Participant will be awarded his/her choice of either (1) a two-year, 10,000 mile Jeep Grand Cherokee lease (“Lease”) from Jim Reihl’s Friendly Chrysler Jeep located at 32899 Van Dyke Ave, Warren, MI 48093, with a maximum value of $12,000.00 (“Maximum Value”); or (2) a cash prize in the amount of $12,000, which will be payable by way of a check made payable to Prize Winner and delivered to the Prize Winner no later than April 15th, 2020. Prize election must be made at the time of winning. In the event Prize Winner elects the Lease, any taxes, fees and/or other costs in excess of the Maximum Value shall be the responsibility of the Prize Winner.
IN THE EVENT NO PARTICIPANT ENTERS THE WINNING CODE, THERE SHALL BE NO PRIZE WINNER. THE PROMOTION WILL IMMEDIATELY END AT THE END OF THE PROMOTION PERIOD WHETHER OR NOT THERE HAS BEEN A PRIZE WINNER. IF THERE IS NO PRIZE WINNER, THE PRIZE WILL NOT BE AWARDED, AND NO FURTHER PARTICIPANTS WILL HAVE ANY RIGHT TO ENTER A CODE FOLLOWING THE END OF THE PROMOTION PERIOD.
If the event there is a Prize Winner, the Prize will be awarded to the Prize Winner only. The Prize is non-transferable. No family member or other person may accept the Prize on behalf of the Prize Winner. If the Prize Winner does not make his/her Prize election as required, and/or fails to meet Eligibility Requirements and Prize Conditions, he or she will be automatically disqualified and the Prize will not be awarded.
PRIZE CONDITIONS: The Prize Winner will be required to sign an Affidavit of Eligibility and a Liability/Publicity Release and return original signed documents to Sponsor together with an original complete and accurate W-9 form on or before 4:00 p.m. on Monday, February 3, 2020, or the Prize may be forfeited. Photocopied, faxed or electronic documents will not be accepted. In Sponsor’s sole discretion, if the Prize Winner fails to return any completed required document within the specified time period, or if the Prize Winner is not in compliance with these Official Rules and/or Eligibility Requirements, then he/she shall be disqualified and no Prize will be awarded. Sponsor reserves the right in its sole and absolute discretion to substitute the Prize with another prize of equal or greater value in the event that the Prize (or any component thereof) is not available as determined by the Sponsor in its sole and absolute discretion.
TAXES AND TAX REPORTING - Whether Prize Winner elects the Lease or the cash prize, Prize Winner is solely responsible for all federal, state and local taxes, and any expenses associated with the Prize. The Prize Winner must provide all information necessary for Sponsor to make required tax reports, including but not necessarily limited to a completed Form W-9. The failure of Prize Winner to provide such information shall result in the forfeiture of the Prize by Prize Winner.
RELEASE AND HOLD HARMLESS: By entering the Promotion and/or accepting the Prize, Prize Winner agrees to hold Sponsor and Administrator and their respective officers, directors, employees, representatives and agents harmless from any and all liability whatsoever in connection with the Promotion, including without limitation, legal claims, costs, injuries, losses or damages, demands with respect to (a) any errors that may prevent a person from submitting an entry; (b) unauthorized human intervention in the Promotion; (c) printing errors; (d) errors in the administration of the Promotion or the processing of entries; (e) injury, death, or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from participation in the Promotion or receipt of the Prize; (f) all claims based on publicity rights, defamation, use of image or likeness and/or breach of any right of privacy; or (g) any other claims or actions of any kind. Except where prohibited by law, acceptance of the Prize constitutes a release by Prize Winner of any and all claims in connection with the administration of the Promotion and the use, misuse or possession of any Prize. Sponsor is not responsible for any printing, typographical, mechanical or other error in the administration of the Promotion or in the announcement of the Prize.
LIMITATION OF LIABILITY: IN NO EVENT WILL SPONSOR OR ADMINISTRATOR, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) ARISING OUT OF PARTICIPATION IN THIS PROMOTION OR THE ACCEPTANCE, POSSESSION, USE, OR MISUSE OF, OR ANY HARM RESULTING FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF THE PRIZE.
PUBLICITY AUTHORIZATION: Sponsor may use Prize Winner’s name, voice, likeness and/or city of residence for promotional purposes via any and all forms of media, in perpetuity, without further or additional notice, attribution, permission or compensation, except where prohibited by law. Prize Winner agrees that his/her name and the Prize may be revealed to other Promotion participants upon request.
COMPLIANCE WITH LAW: All issues and questions concerning the Promotion, these Official Rules, the rights of the Participants in connection with the Promotion, any dispute arising between Sponsor and/or Administrator and any Promotion participant and/or any dispute concerning the administration of the Promotion shall be governed by and construed in accordance with the laws of the state of Michigan and applicable Federal law.
Skip Your Loan Payment!
CCF’s Skip-A-Pay program could help free up extra funds by skipping a payment on eligible loans. Some restrictions do apply.
FEES will apply based on dollar amount of payment being skipped:
- Loan payment of $50 or less = $15
- Loan payment of $50.01-$199.99 = $25
- Loan payment of $200 or more = $40
Apply by signing into Online Banking under the move money tab, on the CCF Mobile App by choosing Skip Payment, in branch or over the phone at 800.777.6728.
Loans are eligible for Skip-A-Pay after three (3) months of payment history. No more than two (2) Skip-A-Pays allowed per calendar year, per loan and must be at least (3) three months apart. Loan(s) must be current and all CCF accounts in good standing to apply for Skip-A-Pay.
Home equity loans, lines of credit, collection loans, and credit cards are not eligible to be skipped. Finance charges will continue to accrue at the rate provided in my original loan agreement. This payment deferral will extend the term of my loan(s) by one month, and may result in higher finance charges than originally disclosed.
If the requested Skip-A-Pay has an automatic transfer or EFT/ACH from another financial institution (not CCF), I must contact the financial institution to cancel the month’s payment. If I previously elected credit life and/or disability insurance, the insurance coverage will not be extended beyond the original maturity date. All deferrals are subject to CCF final eligibility. Additional restrictions may apply.
Cash in on your Connections: Refer your Family & Friends
At Cornerstone, we work hard to provide the best in products and services, and we take pride in offering top-notch member service; so we hope you'll think of us when your family and friends are in the market for financial services.
We promise to deliver the same great member service to your family and friends that you've come to expect as a credit union member yourself. For each member you refer to CCF who opens a checking account, share certificate or auto loan, we will reward you with $25*, and there are no limits on the number of referrals you can cash in on! It's as simple as that, and within 30 days you will have an extra $25 in your pocket!
*Member referral campaign valid until further notice. Offer subject to change at any time. No limit to the number of referrals submitted for the reward. Referred member must be 18 years of age or older. Rewards will be credited to your CCF account within 30 days of referred member's account opening. New memberships require share savings account with a $10 minimum deposit. CCF employees and board members are not eligible for cash reward. Referring member account must be in good standing to receive $25 reward. Other restrictions may apply.
90 Days, No Payment: Auto Loans
The only thing better than a new car is not having to make a payment on it for 90 days!*
When you finance your new or used auto loan with Cornerstone, you will be payment-free for 90 days. Or, we may be able to save you money by refinancing your existing auto loan from another financial institution. By refinancing your auto loan with CCF, you can still take advantage of our limited time 90 days no payment offer.
Call us today to get pre-approved BEFORE you shop! Pre-approvals provide extra bargaining power at the dealership. This is a limited time offer, so apply online anytime or call 800.777.6728.
*CCF auto loan rates are “as low as” and based on credit score, term of loan and collateral. Subject to change at any time. Limited time offer, restrictions apply. Auto loans currently financed with CCF are not eligible for the 90 days no payment offer.
Mortgage Offer: $1000 toward closing costs
CCF is offering you an exclusive friend & family deal of $1,000 toward mortgage closing costs with any conventional* mortgage.
- Competitive low rates
- Mortgages for home purchase, new construction or refinancing** available
- Free pre-approval for extra confidence
- Decisions made locally & quicker than market average time to close
Not looking for a mortgage? Pass this deal along to your friends & family to help them find their home sweet home!
*Applies to conventional loans with terms of 15-30 years. Rates are based on credit score, the term of loan and collateral. Subject to change at any time. FHA, VA and other mortgage programs not eligible. CCF NMLS #405013 , MFM NMLS #149532 **Existing CCF MFM Mortgages not eligible for promotion
Here at Cornerstone, we believe good financial habits start at an early age.
CORE Youth Accounts, along with help from parents, can teach kids and teens core financial values like how to save money, spend wisely and give back to the community. As they grow, so do their account options. From saving their allowance to buying their first car, CCF is in their corner every step of the way. From cradle to college, CCF has it covered!
OPEN A FREE ACCOUNT TODAY & CCF WILL GIVE YOU $25!*
*Offer subject to change at any time. The $25 cash deposit will be deposited into the CORE Youth Account within 30 days of account opening. Account must be in good standing (no negative balance) to receive the match. One account per SSN. $10 deposit required for membership.