VEHICLE LOANS
6.45%
Refinance and Save
Lower your rate by 2% and delay your first payment up to 90 days.
| PRODUCT | APR |
|---|---|
| New Auto 2021-2024 up to 60 months
|
6.45% |
| Used Auto 2019-2024 up to 60 months
|
6.95% |
| Used Auto 2016-2018 up to 60 months
|
7.70% |
| Used Auto 2015 & Older up to 48 months
|
9.70% |
| RV 2015-2023 up to 60 months
|
9.00% |
| RV 2014 & older up to 60 months
|
12.25% |
| Secured Fixed up to 60 months
|
11.75% |
Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.
Longer terms available for qualified borrowers. Minimum loan amount and model year restrictions may apply.
Recreational Vehicle (RV) loans include ATVs, boats, campers, motorcycles, motorhomes, and watercraft.
Secured Fixed loans require qualifying collateral, such as appliances, furniture, golf carts, horse trailers, lawn tractors, or personal computers.
PERSONAL LOANS
11.25%
| PRODUCT | APR |
|---|---|
| Line of Credit with overdraft protection
|
12.25% |
| Signature Loan up to 60 months, fixed rate
|
13.00% |
| Short-Term 24-Month up to $10,000, fixed rate
|
11.25% |
| 30, 60, 90 Day Notes $1,001 or more, fixed rate
|
13.00% |
| Visa Platinum no annual fee
|
13.90% |
Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.
HOME EQUITY LOANS
7.698%
| PRODUCT | APR |
|---|---|
| 5-Year Home Equity Loan 7.500% fixed rate
|
7.698% |
| 10-Year Home Equity Loan 8.500% fixed rate
|
8.609% |
| 15-Year Home Equity Loan 9.500% fixed rate
|
9.827% |
| Shelterline HELOC no closing costs
|
8.000% |
| Shelterline Plus HELOC no closing costs
|
10.500% |
Home Equity Loan
Credit subject to approval. Loan-to-Value (LTV) limit is 90%. Annual Percentage Rate (APR) shown is based on a loan amount of $50,000; your APR may differ based on loan amount and credit history.
Home Equity Line of Credit (HELOC)
Annual Percentage Rate (APR) may vary. The maximum APR that may be imposed is 18.00%. Minimum $15,000 credit line. Loan-to-Value (LTV) limit is 80% for Shelterline and 90% for Shelterline Plus. Interest paid may be eligible for tax deduction. Consult your tax advisor.
Payoff period is based on loan amount: 60 monthly payments for balances up to $10,000; 120 monthly payments for balances greater than $10,000 up to $25,000; 180 monthly payments for balances greater than $25,000.
There are no closing costs; however, if you close your loan within 36 months of the opening date, you may be required to reimburse the Credit Union for third-party charges. Reimbursement fees can range from $400–$1,000.
Additional Options
Additional mortgage products and terms available. Connect with the Mortgages department by calling 615-385-6898.
CERTIFICATES
5.25%
| PRODUCT | APY |
|---|---|
| 4-Month or 7-Month Promotion
$10,000 or more
new deposits only
|
5.25%
|
| 3-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
0.45%
0.50%
0.55%
|
| 6-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
2.75%
2.80%
2.85%
|
| 12-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
4.25%
4.30%
4.35%
|
| 18-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
4.00%
4.05%
4.10%
|
| 24-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
3.75%
3.80%
3.85%
|
| 36-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
2.50%
2.55%
2.60%
|
| 48-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
|
2.50%
2.55%
2.60%
|
APY = Annual Percentage Yield. Rates subject to change.
Compound frequency based on certificate term: at maturity if less than 12 months; semiannually if 12 months or longer.
Early withdrawal penalty may apply and is based on certificate term. Penalty equal to 90 days of dividends if 12 months or less; 180 days of dividends if longer than 12 months; or expected dividends earned over term on promotional certificates.
Promotional certificates compound at maturity and require money not already on deposit at Cornerstone Financial Credit Union.
IRA Certificates available at same terms and rates. Not available for business accounts.
MONEY MARKET
3.25%
| PRODUCT | APY |
|---|---|
| Wealth Builder MMA
$1,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 or more
|
1.00%
1.10%
1.25%
1.50%
2.25%
3.25%
|
APY = Annual Percentage Yield. Rates subject to change. Money Market compounds monthly.
SAVINGS
0.10%
| PRODUCT | APY |
|---|---|
| Share Savings | 0.10% |
| Special Savings | 0.10% |
| Christmas Savings | 0.10% |
| IRA Savings | 0.10% |
APY = Annual Percentage Yield. Rates subject to change. Average daily balance required to earn dividends is $100 for IRA Savings and $50 for other savings accounts. Savings accounts compound quarterly.
BUSINESS DEPOSITS
4.30%
| PRODUCT | APY |
|---|---|
| 6-Month Certificate
$25,000 or more
|
2.80% |
| 12-Month Certificate
$25,000 or more
|
4.30% |
| Money Market $10,000 to $49,999
|
1.25% |
| Money Market $50,000 to $99,999
|
1.50% |
| Money Market $100,000 to $249,999
|
2.25% |
| Money Market $250,000 or more
|
3.25% |
| Savings $50 ADB to earn
|
0.10% |
APY = Annual Percentage Yield. Rates subject to change. Minimum average daily balance (ADB) required to earn dividends. Savings accounts compound quarterly. Money Market accounts compound monthly.
Certificates compound at maturity. Early withdrawal penalty may apply. Penalty amount is 90 days dividends.
Rates effective as of today.