Rates
Competitive rates close to home.
We give our members some of the most competitive rates around on both loans and investments. Check out our list of products and rates below.
If you have any questions, reach out to one of our member service representatives.
APR = Annual Percentage Rate
APY = Annual Percentage Yield
APY = Annual Percentage Yield
Fees may reduce earnings. Rates effective January 1, 2026. Dividend and loan rates subject to change at any time.
Borrow
| Term | APR - Rates as low as¹ | Notes |
|---|---|---|
| Up to 39 Months | 4.79% | Minimum Loan Amount $4,000 |
| 40 - 64 Months | 4.99% | Minimum Loan Amount $7,500 |
| 65 - 75 Months | 5.19% | Minimum Loan Amount $10,000 |
| 76 - 88 Months | 5.49% | Minimum Loan Amount $15,000 |
1: Approval and actual rate offered are based on overall creditworthiness factors and collateral. Mileage and model year restrictions may apply. Additional rate discounts of up to 1% APR may be available. Other terms and conditions may apply. Subject to change or being discontinued at any time.
| Loan Type | APR - Rates as low as¹ |
|---|---|
| Home Equity Line of Credit² | 7.25% |
| Fixed-Rate Home Equity - 10 Year Fixed³ | 6.99% |
| Fixed-Rate Home Equity - 20 Year Fixed³ | 7.24% |
1: 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 Cornerstone Home Equity Representative.
2: Direct deposit & new checking account required.
3: 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.
| Term | APR - Rates as low as¹ | Notes |
|---|---|---|
|
24 - 39 months |
5.29% |
Minimum Loan Amount $4,000 |
|
40 - 64 months |
5.79% |
Minimum Loan Amount $7,500 |
|
65 - 75 months |
6.29% |
Minimum Loan Amount $10,000 |
|
76 - 88 months |
6.79% |
Minimum Loan Amount $15,000 |
|
89 - 120 months |
5.99% |
Minimum Loan Amount $40,000 |
|
121 - 180 months |
6.29% |
Minimum Loan Amount $75,000 |
1: Rates are "as low as" and are based on credit score and model year of vehicle, check eligibility for additional 1% rate discount. Other account requirements and conditions may apply. Rates are subject to change at any time.
| Loan Type | Term | APR - Rates as low as¹ | Minimum Loan Amount |
|---|---|---|---|
|
Personal/Unsecured |
12 - 36 months |
9.49% |
N/A |
|
Personal/Unsecured |
37 - 60 months |
11.49% |
N/A |
1: Rates are "as low as" and are based on credit score. Discover if you qualify for a 0.50% discount on a personal loan through Cornerstone's Multi-Loan Advantage. This exclusive offer is available to members with an existing auto loan. Rates are subject to change at any time. Other account requirements and conditions may apply.
| Product | APR - Rates as low as¹ | Annual Fee |
|---|---|---|
|
10.00% - 14.88% |
None |
|
|
10.00% |
None |
|
|
14.88% |
None |
1: Approval and actual APR based on overall creditworthiness factors. 1% fee in U.S. dollars assessed on foreign transactions. Rates effective as of 11/1/2025. Subject to change or be discontinued at any time.
Accounts
Rewards Checking
| Balance | Dividend Rate | APY¹ |
|---|---|---|
|
$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 mobile or online 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.
1: APY = Annual Percentage Yield. Rates may change after account is opened. 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 | APY¹ |
|---|---|---|
|
$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 mobile or online 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.
1: APY = Annual Percentage Yield. Rates may change after account is opened. 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 is not required to have this account. Limit one account per SSN.
| Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|
|
$7,500+ |
0.10% |
0.10% |
1: APY = Annual Percentage Yield. Minimum balance of $7,500 required to earn dividends.
Savings Accounts
| Account | Minimum Required Opening Deposit | Dividend Rate | APY¹ |
|---|---|---|---|
|
$1 |
0.05% |
0.05% |
|
| Rainy Day Savings |
None |
0.05% |
0.05% |
|
None |
0.05% |
0.05% |
|
|
None |
0.05% |
0.05% |
1: APY = Annual Percentage Yield. Minimum balance of $50 required to earn dividends.
Money Market
| Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|
|
$50 - $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 - $499,999 |
0.65% |
0.65% |
|
$500,000+ |
0.75% |
0.75% |
1: APY = Annual Percentage Yield. Minimum balance of $50 required to earn dividends.
Step-Up Certificate
| Term | Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|---|
|
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 months |
$1,000 |
1.10% |
1.10% |
1: APY = Annual Percentage Yield. 24-month certificate with rate bumps every 6 months. Dividends paid at maturity. Penalty may apply for early withdrawal.
| Term | Minimum Required Opening Deposit | Dividend Rate | APY¹ |
|---|---|---|---|
|
NEW MONEY Special Offer: 7-month CD² |
$1,000 |
4.10% |
4.10% |
|
NEW MONEY Special Offer: 13-month CD² |
$1,000 |
3.94% |
4.00% |
|
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% |
1: APY = Annual Percentage Yield. Rate accurate as of 11/1/2025. Must maintain an average daily balance of $1,000 to earn the APY. A penalty may be imposed for early withdrawals. Fees could reduce earnings on the account.
2: Minimum to earn APY is $1,000. Funds must be new money not already on deposit with CCFCU or have been deposited via cash, check, ACH, or wire transfer to CCFCU within five days prior to the CD being opened. A penalty will be imposed for early withdrawals. Fees could reduce earnings on the account. Maximum CD amount is $500,000. Product may be modified or discontinued at any time.
Individual Retirement Account (IRA)
| Term | Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|---|
|
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% |
1: APY = Annual Percentage Yield. Penalties may apply for early withdrawal. All rates are subject to change at any time without notice.
Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|---|
|
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% |
1: APY = Annual Percentage Yield. Penalties may apply for early withdrawal. Dividends paid quarterly
Jumbo IRA Certificates
| Term | Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|---|
|
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% |
1: APY = Annual Percentage Yield. Penalties may apply for early withdrawal. Dividends paid quarterly.
Youth Certificates
| Term | Minimum Balance | Dividend Rate | APY¹ |
|---|---|---|---|
|
6 months |
$250 |
0.90% |
0.90% |
|
12 months |
$250 |
1.25% |
1.26% |
1: APY = Annual Percentage Yield. Penalties may apply for early withdrawal. Dividends paid quarterly. 6 Month Certificate dividends paid at maturity.
Youth & Young Adults High-Yield Savings Accounts
| Account | Minimum Required Opening Deposit |
Dividend Rate | APY |
|---|---|---|---|
|
Youth HYSA ($0-$1,000)¹
|
None | 3.15% | 3.15% |
|
Youth HYSA ($1,000+)¹
|
None | 0.05% | 0.05% |
|
Young Adult HYSA ($0-$5,000)²
|
None | 3.15% | 3.15% |
|
Young Adult HYSA ($5,000+)²
|
None | 0.05% | 0.05% |
1: APY is Annual Percentage Rate. Available to members ages 0-17. Standard APY of .05% applies to the balance in excess of $1,000. Rates subject to change and are accurate as of 1/1/2025. Account will convert to a CORE Young Adult High-Yield Savings Account at age 18. Fees could reduce earnings on the account.
2: APY is Annual Percentage Yield. Available to members ages 18-24. Standard APY of .05% applies to balances in excess of $5,000. Rates subject to change and are accurate as of 1/1/2025. Account will convert to a Money Market account at age 25. Fees could reduce earnings on the account.