February 26th, 2017

Rates

Only the best rates for our members.

At Cornerstone, we’re proud to offer some of the most competitive rates around.
We truly want our members to get the most competitive rates they can. That’s why
we invite you to shop around to be sure you are getting the best value from us.
Check out our current rates on auto loans, credit cards and other personal loans,
as well as savings products, below.

Rates Effective February 14, 2017

 

Product Rates As Low As* Term Apply
2016-2018 New Car Only 2.40% APR Up to 60 Months  |  Longer Terms Available Apply Online
Call 615-385-6866
Visit a branch
2012-2017 Car/Refinance 2.50% APR Up to 60 Months  |  Longer Terms Available Apply Online
Call 615-385-6866
Visit a branch
2010-2011 Car/Refinance 3.25% APR Up to 60 Months  |  Longer Terms Available Apply Online
Call 615-385-6866
Visit a branch
2008-2009 Car/Refinance 3.50% APR Up to 48 Months  |  Longer Terms Available Apply Online
Call 615-385-6866
Visit a branch
2007 and Older Car/Refinance 4.75% APR Up to 36 Months  |  Longer Terms Available Apply Online
Call 615-385-6866
Visit a branch
2010-2017 Recreational Vehicle 4.75% APR 36 to 75 Months  |  Longer Terms Available Apply Online
Call 615-385-6866
Visit a branch

* Depending on your credit worthiness. Rates subject to change without notice.

Product Rates As Low As* Term Apply
30,60 or 90 Day Notes 8.75% APR – Depending on Collateral 30,60,90 Days Apply Online
Call 615-385-6866
Visit a branch
Certificate Account Secured 2% Above Certificate Rates Certificate Maturity Apply Online
Call 615-385-6866
Visit a branch
Share Secured 2% Above Share Account Rate 36 Months Apply Online
Call 615-385-6866
Visit a branch

* Depending on your credit worthiness. Rates subject to change without notice.

Product Rates
Term Apply
Visa Platinum 8.9%-17.9% APR* Variable Revolving Apply Online
Call 615-385-6866
Visit a branch

* Depending on your credit worthiness. Rates subject to change without notice.
Please see Terms and Conditions for rates/fees and the Credit Card Agreement for more information.

Product Rates As Low As* Term Apply
Consolidation Loan 8.90% APR Up to 60 Months Apply Online
Call 615-385-6866
Visit a branch
Signature Loans 9.00% APR Up to 60 Months Apply Online
Call 615-385-6866
Visit a branch
30, 60, 90 Day Notes 9.00% APR 30, 60, or 90 Days Apply Online
Call 615-385-6866
Visit a branch
Premier Line of Credit 8.75% APR Revolving Apply Online
Call 615-385-6866
Visit a branch
Short-Term “Spot me a Loan”:
up to $5,000
7.9% APR** 12 months Apply Online
Call 615-385-6866
Visit a branch
Short-Term “Spot me a Loan”:
up to $10,000
9.9% APR** 24 months Apply Online
Call 615-385-6866
Visit a branch

* Depending on your credit worthiness. Rates subject to change without notice. **Fixed rate loans.

Product Rates As Low As* Term Apply
Home Equity Loan 5.614% APR+ 5 years Call 615-385-6898
Visit a branch
Home Equity Loan 5.700% APR+ 7 years Call 615-385-6898
Visit a branch
Home Equity Loan 5.791% APR+ 10 years Call 615-385-6898
Visit a branch
ShelterLine Home Equity Line of Credit 3.50%** variable APR Apply Online
Call 615-385-6898
ShelterLine Plus Home Equity Line of Credit 5.75% variable APR Apply Online
Call 615-385-6898

* Depending on your credit worthiness. Rates subject to change without notice. Rate disclosed based on up to 85% loan-to-value.
+ APR based on loan amount of $25,000 with stated term. Your APR may differ depending on loan amount and term. Rate disclosed based on up to 85% loan-to-value.
**Maximum of 80% loan to value. * Annual percentage rate may vary.  The maximum annual percentage rate that may be imposed is 18.00%APR.

Product APY (Annual Percentage Yield) Compound Frequency Other
Share Savings 0.10% APY* Quarterly $50 minimum average daily balance
Special Savings 0.10% APY* Quarterly $50 minimum average daily balance
Christmas Savings 0.10% APY* Quarterly $50 minimum average daily balance
Premier Checking 0.05% APY* Monthly $1,000 minimum average daily balance
Money Market Account: $1,000-$4,999 0.10% APY* Monthly
Money Market Account: $5,000-$9,999 0.10% APY* Monthly
Money Market Account: $10,000-$24,999 0.15% APY* Monthly
Money Market Account: $25,000-$49,999 0.15% APY* Monthly
Money Market Account: $50,000-Above 0.20% APY* Monthly
Term Regular Jumbo
($25,000 – $49,999)
Super Jumbo
($50,000 or more)
Compound Frequency
90 Day 0.15% APY* 0.20% APY* 0.25% APY* Maturity
6 Month 0.25% APY* 0.30% APY* 0.35% APY* Maturity
12 Month 0.75% APY* 0.80% APY* 0.85% APY* Semi-Annual
18 Month 0.80% APY* 0.85% APY* 0.90% APY* Semi-Annual
24 Month 1.15% APY* 1.20% APY* 1.25% APY* Semi-Annual
36 Month 1.20% APY* 1.25% APY* 1.30% APY* Semi-Annual
48 Month 1.25% APY* 1.30% APY* 1.35% APY* Semi-Annual

*APY= Annual Percentage Yield

Minimum deposit for regular certificate & IRA certificate accounts is $500.
Early withdrawal penalty fees may apply. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: terms of 12 months or less – 90 days dividends; terms of greater than 12 months – 180 days dividends.

Term Regular Jumbo
($25,000 – $49,999)
Super Jumbo
($50,000 or more)
Compound Frequency
90 Day 0.15% APY* 0.20% APY* 0.25% APY* Maturity
6 Month 0.25% APY* 0.30% APY* 0.35% APY* Maturity
12 Month 0.75% APY* 0.80% APY* 0.85% APY* Semi-Annual
18 Month 0.80% APY* 0.85% APY* 0.90% APY* Semi-Annual
24 Month 1.15% APY* 1.20% APY* 1.25% APY* Semi-Annual
36 Month 1.20% APY* 1.25% APY* 1.30% APY* Semi-Annual
48 Month 1.25% APY* 1.30% APY* 1.35% APY* Semi-Annual
IRA Growth Account*** 0.10% APY* N/A N/A Quarterly

Minimum deposit for regular certificate & IRA certificate accounts is $500.
Early withdrawal penalty fees may apply. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: terms of 12 months or less – 90 days dividends; terms of greater than 12 months – 180 days dividends.

***IRA Growth Account must have a $100 minimum average daily balance to qualify for dividends


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