Rates

Cornerstone Community Financial gives our members some of the most competitive rates in Metro Detroit, Toledo, Ohio and the surrounding areas, on both loans and investments. Check out our list of products and rates below.

If you have any questions, feel free to reach out to a member service representative.

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Fees may reduce earnings. Rates effective April 1st, 2023. Dividend and loan rates subject to change at any time.

Loans

Auto Loans - New & Used

Term	APR Rates^ as low as	Notes
Up to 39 Months	4.79%	Minimum Loan Amount $4,000
40 - 64 Months	4.89%	Minimum Loan Amount $7,500
65 - 75 Months	5.39%	Minimum Loan Amount $10,000
76 - 84 Months	5.69%	Minimum Loan Amount $15,000

^ Rates are "as low as" and are based on credit score and model year of vehicle, with discounts applied for payment protection package and direct deposit to a CCF account. Other account requirements and conditions may apply. Rates are subject to change at any time.

Rates for terms greater than 84 months will be provided by request, and will be based upon the credit quality of applicant and deal being presented.

*Promotional rate valid for a limited time and dependent upon loan amount and model year of vehicle. Inquire for more detail.

Home Equity Loans

Loan Type	APR - Rates^ as low as
Home Equity VISA Line of Credit*	7.50%
Fixed Rate Home Equity - 5 Year Fixed**	5.24%
Fixed Rate Home Equity - 10 Year Fixed**	5.74%
Fixed Rate Home Equity - 15 Year Fixed**	6.04%

^ Rates are "as low as" and are based on credit score, property value, lien position and other account requirements. Rates are subject to change at any time. Please consult with a CCF Home Equity Representative.

*Direct deposit & new checking account required.

**Direct deposit & new checking account required. First lien position only.

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 800-777-6728 for any further rate questions.

Cornerstone Community Financial is an equal housing lender.

Leisure Vehicles

Term	APR - Rates^ as low as	Notes
24 - 39 Months	5.39%	Minimum Loan Amount $4,000
40 - 64 Months	5.89%	Minimum Loan Amount $7,500
65 - 75 Months	6.59%	Minimum Loan Amount $10,000
76 - 84 Months	7.09%	Minimum Loan Amount $15,000
86 - 120 Months	5.44%	Minimum Loan Amount $40,000
121 - 180 Months	5.84%	Minimum Loan Amount $75,000

^ Rates are "as low as" and are based on credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time.

Additional Loan Products

Loan Type	Term	APR - Rates^ as low as	Minimum Loan Amount
Personal/Unsecured	12-35 months	8.99%	N/A
Personal/Unsecured	36-60 months	10.99%	N/A

^ Rates are "as low as" and are based on credit score. Rates are subject to change at any time. Other account requirements and conditions may apply.

Visa Card Programs

Product	APR - Rates^ as low as	Monthly Periodic Rate	Annual Fee
VISA Platinum	10.00% - 14.88%	0.83% - 1.24%	None
VISA Business Platinum	10.00%	0.83%	None
VISA Secured	14.88%	1.24%	None

^ Rates are "as low as" and are based on credit score.

All cards:

Grace period: 20 days from statement close on new purchases only.
Late fee: $25.00
Balance computation method: Average daily balance including new purchases

Accounts

Rewards Checking

Balance	Dividend Rate	APY*
$0 - $15,000	2.00%	2.02%
$15,000+	0.05%	0.05%

To earn rewards, just do the following during the monthly statement cycle:

Have at least 18 signature debit or credit card transactions post and settle
Enroll in and receive eStatements
Log in to online or mobile banking once per cycle
If you don't meet the qualifications on any given cycle, no problem. The account is still free. You can get back to earning rewards the very next month that you meet qualifications.

*APY=Annual Percentage Yield. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly statement cycle: (1) balances up to $15,000 receive APY of 2.02%; and (2) balances over $15,000 earn 0.05% interest rate on portion of balance over $15,000. If qualifications are not met dividends will not be earned. Qualifying transactions must post to and settle account during monthly statement cycle. ATM, PIN-based transactions, cash advances and balance transfer transactions do not count towards qualifying debit or credit card transactions. Statement cycles begin on the first day of the month and end on the last day of the month. Limit one account per SSN.

CORE Rewards Checking

Balance	Dividend Rate	APY*
$0 - $15,000	2.00%	2.02%
$15,000+	0.05%	0.05%

To earn rewards, just do the following during the monthly statement cycle:

Have at least 18 signature debit or credit card transactions post and settle
Enroll in and receive eStatements
Log in to home banking or mobile once per cycle

If you don't meet the qualifications on any given cycle, no problem. The account is still free. You can get back to earning rewards the very next month that you meet qualifications.

*APY=Annual Percentage Yield. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly statement cycle: (1) balances up to $15,000 receive APY of 2.02%; and (2) balances over $15,000 earn 0.05% interest rate on portion of balance over $15,000. If qualifications are not met no dividends will be earned. Qualifying transactions must post to and settle account during monthly statement cycle. ATM transactions do not count towards qualifying debit card transactions. ATM, PIN-based transactions, cash advances and balance transfer transactions do not count towards qualifying debit or credit card transactions Statement cycles begin on the first day of the month and end on the last day of the month. Monthly direct deposit not required to have this account. Limit one account per SSN.

Clear Business Checking

Minimum Balance	Dividend Rate	APY
$7,500+	0.10%	0.10%

Minimum balance of $7,500 required to earn dividends. Dividends paid monthly.

Savings Accounts

Account	Minimum Required Opening Deposit	Dividend Rate	APY
Regular Savings	$10	0.05%	0.05%
Rainy Day Savings	None	0.05%	0.05%
Round-Up Rewards Savings	None	0.05%	0.05%
Holiday Share Savings	None	0.05%	0.05%

Minimum balance of $50 required to earn dividends. Dividends paid quarterly.

Money Market

Minimum Balance	Dividend Rate	APY
$2,500 - $7,499	0.10%	0.10%
$7,500 - $12,499	0.15%	0.15%
$12,500 - $24,999	0.25%	0.25%
$25,000 - $39,999	0.35%	0.35%
$40,000 - $99,999	0.45%	0.45%
$100,000 - $249,999	0.55%	0.55%
$250,000 - $499,000	0.65%	0.65%
$500,000+	0.75%	0.75%

Minimum balance of $50 required to earn dividends. Dividends paid monthly.

Step-Up Certificate

Term	Minimum Balance	Dividend Rate	APY
First 6 months	$1,000	0.80%	0.80%
Second 6 months	$1,000	0.90%	0.90%
Third 6 months	$1,000	1.00%	1.00%
Fourth 6 month	$1,000	1.10%	1.10%

24-month certificate with rate bumps every 6 months. Dividends paid at maturity. Penalty may apply for early withdrawal.

Share Certificates

Term	Minimum Balance	Dividend Rate	APY
6 months	$1,000	0.90%	0.90%
12 months	$1,000	1.25%	1.26%
18 months	$1,000	1.35%	1.36%
24 months	$1,000	1.50%	1.51%
36 months	$1,000	2.00%	2.02%
48 months	$1,000	2.25%	2.27%
60 months	$1,000	2.50%	2.52%

Dividends paid quarterly. 6 Month Certificate dividends paid at maturity. Penalties may apply for early withdrawal.

Individual Retirement Account (IRA)

Term	Minimum Balance	Dividend Rate	APY
12 months	$500	1.25%	1.26%
18 months	$500	1.35%	1.36%
24 months	$500	1.50%	1.51%
36 months	$500	2.00%	2.02%
48 months	$500	2.25%	2.27%
60 months	$500	2.50%	2.52%
IRA Share*	$10	0.10%	0.10%

*Minimum balance of $50 required to earn dividends. Applies to Traditional, Roth and Education IRAs. Dividends paid quarterly. Penalties may apply for early withdrawal.

Jumbo Certificates

Term	Minimum Balance	Dividend Rate	APY
12 months	$50,000	1.25%	1.26%
18 months	$50,000	1.35%	1.36%
24 months	$50,000	1.50%	1.51%
36 months	$50,000	2.00%	2.02%
48 months	$50,000	2.25%	2.27%
60 months	$50,000	2.50%	2.52%

Penalties may apply for early withdrawal. Dividends paid quarterly.

Jumbo IRA Certificates

Term	Minimum Balance	Dividend Rate	APY
12 months	$50,000	1.25%	1.26%
18 months	$50,000	1.35%	1.36%
24 months	$50,000	1.50%	1.51%
36 months	$50,000	2.00%	2.02%
48 months	$50,000	2.25%	2.27%
60 months	$50,000	2.50%	2.52%