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Cornerstone offers many products and services at no cost to members:

Our complete fee schedule can be found by clicking here.

Looking for a New or Used Vehicle
and Not Sure Where to Start?

Let Cornerstone Federal Credit Union and CUDL AutoSMART help you find the right car and auto loan for you. With CUDL AutoSMART you can research, compare and buy your next vehicle with only a few easy clicks.

CUDL AutoSMART Web site
CUDL AutoSMART Magazine
Apply for an Auto Loan - Remember to insist on CFCU financing at the dealership before you sign your paperwork.

Helpful Hints for Protecting Your Password

If you could just come up with one password, something nice and easy to remember and use it for every Web site and application that requires authentication, life would be much simpler.

Unfortunately, the nature of computer and Internet security is such that you can't do that. Different networks, sites and applications have their own password requirements and more classified or personal information merits stronger, more unique authentication.

We are offering one way to protect your passwords that may be beneficial to you. This is, by no means, the only way you can protect your passwords and we would welcome any thoughts you have or ways in which you protect your personal passwords. Simply email your thoughts or suggestions to us and we will pass them on to other members who may be looking for an easier, more efficient way to protect theirs.

Protecting your passwords: Create a word document that contains all of your User IDs, passwords and login information. Password protect the file. Now you only have one password to remember to get to all of your other passwords. To password protect this one file, go to Tools, options, click on the security tab. A dialog box will open and in the "password to open" box, type in the password you want to use to open the document later. Click ok and then save the document. You can also save this file to a disk and carry it with you if you have passwords for personal and business use.

There are a number of tools available online to help you securely store and remember passwords and usernames. We can offer two of those sites: www.netsecurity.about.com and www.passwordsafe.com. A search using the words "password protect" will give you countless sites to review. Cornerstone does not endorse one site over the other.

Avoid Becoming a Victim of Phishing Scams

Be suspicious of any email with urgent requests for personal financial information unless the email is digitally signed (you can't be sure it wasn't forged or 'spoofed'). Phishers typically: 1) include upsetting or exciting (but false) statements in their emails to get people to react immediately; 2) ask for confidential information such as user names, passwords, credit card numbers, social security numbers, account numbers, etc.; and 3) do not personalize the email message.
Don't use the links in an email to get to any Web page if you suspect the message might not be authentic. Instead, call the company on the telephone, or log onto the Web site directly by typing in the Web address in your browser.
Avoid filling out forms in email messages that ask for personal financial information. You should only communicate information such as credit card numbers or account information via a secure Web site or the telephone.
Always ensure that you're using a secure Web site when submitting credit card or other sensitive information via your Web browser. To make sure you are on a secure Web server, check the beginning of the Web address in your browser's address bar. It should be "https://" rather that just http://.
Consider installing a Web browser tool bar to help protect you from known phishing fraud Web sites.
Regularly log into your Online accounts and don't wait for as long as a month before you check each account.
Regularly check your financial institution, credit and debit card statements to ensure that all transactions are legitimate. If anything is suspicious, contact your financial institution(s) and card issuers.
Ensure that your browser is up to date and security patches are applied.
Always report "phishing" or "spoofed" emails to the following groups:
- Forward the email to reportphishing@antiphishing.com
- Forward the email to the Federal Trade Commission at spam@uce.gov
- Forward the email to the "abuse" email address at the company that is being "spoofed"
- When forwarding spoofed messages, always include the entire original email with its original header information intact
- Notify the Internet Fraud Complaint Center of the FBI by filing a complaint on their Web site: www.ifccfbi.gov/

What To Do If You Have Given Out Your Personal Financial Information

Phishing attacks are growing quite sophisticated and difficult to detect, even for the most technically savvy people. And many people are getting onto the Internet and using email or Web browsers for the first time. As a result, some people are going to continue to be fooled into giving up their personal financial information in response to a phishing email or on a phishing Web site. If you have been tricked this way, you should assume that you will become a victim of credit card fraud, financial institution fraud or identity theft. Below is some advice on what to do if you are in this situation:

Report the theft of this information to the card issuer as quickly as possible:
- Many companies have toll free numbers and 24-hour service to deal with such emergencies
Cancel your account and open a new one.
Review your billing statements carefully after the loss:
- If they show any unauthorized charges, it is best to send a letter to the card issuer describing each questionable charge
Credit Card Loss or Fraudulent Charges (FCBA)
- Your maximum liability under federal law for unauthorized use of your credit card is $50
- If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use
ATM or Debit Card Loss or Fraudulent Transfers (EFTA)
- Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss
- You risk unlimited loss of you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you
Report the theft of this information to your financial institution as quickly as possible.

Some phishing attacks use viruses and/or Trojans to install programs called "key loggers" on your computer. These programs capture and send out any information that you type to the phisher, including credit card numbers, user names, passwords, Social Security Numbers, etc. In this case you should:

Install and/or update anti-virus and personal firewall software
Update all virus definitions and run a full scan
Confirm every connection your firewall allows
If your system appears to have been compromised, fix it and then change your password again, since you may well have transmitted the new one to the hacker
Check your other accounts! The hackers may have helped themselves to many different accounts: eBay, PayPal, your email ISP, Online bank accounts, Online trading accounts, e-commerce accounts, and everything else for which you use Online passwords

Identity theft occurs when someone uses your personal information such as your name, Social Security Number, credit card number or other identifying information without your permission to commit fraud or other crimes. If you have given out this kind of information to a phisher, you should do the following:

Report the theft to the three major credit reporting agencies, Experian, Equifax and TransUnion Corporation, and do the following:
- Request that they place a fraud alert and a victim's statement in your file
- Request a FREE copy of your credit report to check whether any accounts were opened without your consent.
- Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft
Notify your financial institution(s) and ask them to flag your account and contact you regarding any unusual activity:
- If bank accounts were set up without your consent, close them
- If your ATM card was stolen, get a nw card, account number and PIN
Contact your local police department to file a criminal report.
Contact the Social Security Administration's Fraud Hotline to report the unauthorized use of your personal identification information.
Notify the Department of Motor Vehicles of your identity theft:
- Check to see whether an unauthorized license number has been issued in your name
Notify the passport office to be watching out for anyone ordering a passport in your name.
File a complaint with the Federal Trade Commission:
- Ask for a free copy of "ID Theft: When Bad Things Happen in Your Good Name", a guide that will help you guard against and recover from your theft
File a complaint with the Internet Fraud Complaint Center (IFCC):
- http://www.ifccfbi.gov/index.asp
- The Internet Fraud Complaint Center is a partnership between the FBI and the National White Collar Crime Center (NW3C), with a mission to address fraud committed over the Internet
- For victims of Internet fraud, IFCC provides a convenient and easy-to-use reporting mechanism that alerts authorities of a suspected criminal or civil violation
Document the names and phone numbers of everyone you speak to regarding the incident. Follow-up your phone calls with letters. Keep copies of all correspondence.