Rates

Rates

Loans | Savings | Certificates

Rates are subject to change.

Loans	Rate APR*	Term
New or Used Auto/Truck/Motorcycle/RV* Deduct .50% from the rate if financing less than 100% of MSRP (New) or NADA Retail (Used) including Warranty, GAP, Tax, Tags, Title**	2.25	24	Calculator
New or Used Auto/Truck/Motorcycle/RV* Deduct .50% from the rate if financing less than 100% of MSRP (New) or NADA Retail (Used)including Warranty, GAP, Tax, Tags, Title**	3.00	60	Calculator
New or Used Auto/Truck/Motorcycle/RV* Deduct .50% from the rate if financing less than 100% of MSRP (New) or NADA Retail (Used)including Warranty, GAP, Tax, Tags, Title (**Maximum 60 month financing on vehicles 6 years or older)	4.00	72	Calculator
New or Used Auto/Truck/Motorcycle/RV* Deduct .50% from the rate if financing less than 100% of MSRP (New) or NADA Retail (Used)including Warranty, GAP, Tax, Tags, Title (**Maximum 60 month financing on vehicles 6 years or older)	5.00	84	Calculator
RV only	8.00	120	Calculator
Other Secured 1-24 Months	4.50	24	Calculator
Other Secured 25-60 Months	5.00	60	Calculator
Other Secured 61-84 Months	5.75	84	Calculator
Other Secured 85-120 Months	8.00	120	Calculator
Other Secured 121-144 Months	8.25	144	Calculator
Share Secured-100% Share Savings Plus 3%	3.20	60	Calculator
Real Estate Secured 80% 1-60 Months	3.25	60	Calculator
Real Estate Secured 80% 61-84 Months	3.75	84	Calculator
Real Estate Secured 80% 85-120 Months	4.00	120	Calculator
Real Estate Secured 80% 121-180 Months	5.00	180	Calculator
Real Estate Secured 85% 1-60 Months	3.50	60	Calculator
Real Estate Secured 85% 61-84 Months	4.25	84	Calculator
Real Estate Secured 85% 85-120 Months	4.75	120	Calculator
Real Estate Secured 85% 121-180 Months	6.00	180	Calculator
OPEN DOOR Home Equity-Variable Rate	3.25	n/a	Calculator
Signature Loan Closed End 1-60 Months**	8.00-15.50	60	Calculator
Signature REDI-Cash (LOC)^	9.00-15.00	n/a	Calculator
VISA Platinum Credit Card**	7.90	n/a	Calculator
Visa Platinum Cash Back Rewards Credit Card***	10.90	n/a	Calculator
Visa Platinum Standard Card**	13.90	n/a	Calculator
Visa Platinum Credit Rebuilder Card**	16.90	n/a	Calculator

*APR = Annual Percentage Rate

*** Your rate is based on your credit worthiness and may vary from what is listed.

^The annual percentage rate for REDI-CASH advances will be the Prime Rate as published in the Wall Street Journal 10 days prior to each month end (Index) plus 1.5%-6%. Where more than one rate is published, the higher rate will constitute the index rate. The rates are subject to change on the first day of each month to reflect an increase in the rate. The rate will never be less than 9% or greater than the maximum allowed under the Federal Credit Union Act. Any increase in the interest rate will result in more payments of the same amount or higher payments until what you owe has been repaid.

Rates and terms are subject to the Cornerstone FCU Loan Policy Guidelines. Rates are subject to change without prior notice. Minimum loan amounts may apply.

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Savings**	Rate	APY*	Term
Share Savings	.15	.15	12
Share Drafts (Checking) �	.10	.10	12
IRA/Christmas/Vacation/Special Shares	.15	.15	12

**A Youth Savings account is available to members aged 0-18 years and pays 25 basis points (.25%) higher than the regular Share Savings account.

*APY = Annual Percentage Yield
$250 minimum balance earns interest on any given day.
Rates subject to change without prior notice. Dividend payment may not exceed available earnings after provision for reserves and operating expenses. Fees or other conditions may reduce earnings. Contact the credit union office for more information about fees and terms applicable to the account.
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Certificates	Rate	APY*	Term
Share/IRA Certificate 3-5 Months	.25	.25	5
Share/IRA Certificate 6-11 Months	.30	.30	11
Share/IRA Certificate 12-17 Months	.40	.40	17
Share/IRA Certificate 18-23 Months	.50	.50	23
Share/IRA Certificate 24-35 Months	.75	.75	35
Share/IRA Certificate 36-47 Months	1.10	1.11	47
Share/IRA Certificate 48-59 Months	1.25	1.26	59
Share/IRA Certificate 60 Months	1.45	1.46	60
Money Market Plus	.25	.25	1

*APY = Annual Percentage Yield
Monthly dividends may be compounded by addition to certificate principal or paid to a regular share or share draft account. An early withdrawal penalty of up to 90 days dividends may apply on investment terms of 1 year or less and up to 180 days dividends on investment terms greater than 1 year.

Certain products and rates are not available for Public Funds Accounts, Financial Institution or other
Institutional Investors.
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