Rates

As a member-owned credit union, part of our mission is to provide competitive loan rates and deposit rates for our members. Please visit our mortgage center for mortgage rates.

Rates effective as of today.

Loans

Flexible terms, competitively low rates, and exceptional service is our not-so-secret recipe.

VEHICLE LOANS

APR as low as

5.24%

Refinance and Save

Lower your rate by 2% and delay your first payment up to 90 days. 

PRODUCT APR
New Auto 2020-2023 
up to 60 months
5.24%
Used Auto 2018-2023 
up to 60 months
5.74%
Used Auto 2015-2017 
up to 60 months
6.49%
Used Auto 2014 & Older 
up to 48 months
8.49%
RV 2015-2023 
up to 60 months
6.99%
RV 2014 & older 
up to 60 months
10.24%
Secured Fixed  
up to 60 months
10.24%
APPLY ONLINE

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

APR as low as

10.24%

PRODUCT APR
Line of Credit
with overdraft protection
11.25%
Signature Loan
up to 60 months, fixed rate
11.50%
Short-Term 24-Month
up to $10,000, fixed rate
10.24%
30, 60, 90 Day Notes
minimum $1,001, fixed rate
11.50%
Visa Platinum
no annual fee
10.90%
APPLY ONLINE

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

HOME EQUITY LOANS

APR as low as

6.21%

PRODUCT APR
5-Year Home Equity Loan 
5.50% fixed rate
6.21%
10-Year Home Equity Loan 
6.00% fixed rate
6.39%
15-Year Home Equity Loan 
6.25% fixed rate
6.53%
Shelterline HELOC
no closing costs
7.25%
Shelterline Plus HELOC
no closing costs
9.50%
APPLY ONLINE

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.

Deposits

The opportunity to earn risk-free dividends on your savings is back!

CERTIFICATES

APY as high as

4.25%

PRODUCT APY
5-Month Certificate  
$10,000 minimum
4.25%
19-Month Certificate 
$10,000 minimum
2.50%
3-Month Certificate
$500 minimum
0.45%
6-Month Certificate
$500 minimum
1.15%
12-Month Certificate
$500 minimum
2.01%
18-Month Certificate
$500 minimum
2.12%
24-Month Certificate
$500 minimum
2.17%
36-Month Certificate
$500 minimum
2.53%
48-Month Certificate
$500 minimum
2.63%

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. Penalty amount based on certificate term: 90 days dividends if 12 months or less; 180 days dividends if longer than 12 months.

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

APY as high as

0.90%

PRODUCT APY
Money Market
$1,000 - $9,999
0.40%
Money Market
$10,000 - $24,999
0.50%
Money Market
$25,000 - $49,999
0.70%
Money Market
$50,000 - $99,999
0.80%
Money Market
$100,000 - $249,999
0.85%
Money Market
$250,000 & higher
0.90%

APY = Annual Percentage Yield. Rates subject to change. Money Market compounds monthly.

SAVINGS

APY as high as

0.10%

PRODUCT APY
Share Savings
$50 ADB to earn
0.10%
Special Savings
$50 ADB to earn
0.10%
Christmas Savings
$50 ADB to earn
0.10%
SuperSavers
$50 ADB to earn
0.10%
IRA Savings
$100 ADB to earn
0.10%

APY = Annual Percentage Yield. Rates subject to change. Average daily balance (ADB) required to earn dividends. Savings accounts compound quarterly.

BUSINESS DEPOSITS

APY as high as

2.01%

PRODUCT APY
6-Month Certificate
$25,000 minimum
1.15%
12-Month Certificate
$25,000 minimum
2.01%
Money Market
$10,000 - $49,999
0.50%
Money Market
$50,000 - $99,999
0.80%
Money Market
$100,000 - $249,999
0.85%
Money Market
$250,000 & higher
0.90%
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 compounds monthly.

Certificates compound at maturity. Early withdrawal penalty may apply. Penalty amount is 90 days dividends.

Certificate Promotion

  • Earn 4.25% APY on a 5-month certificate with $10,000 minimum deposit
  • Dividends paid at maturity
  • Funds not already on deposit with Cornerstone