What's New

What's New

Three Steps to Greater Protection

What is Member's Choice Guaranteed Asset Protection Plus
(GAP Plus)?
It's a way to help protect your vehicle loan. Many times primary auto insurance settlements don't pay off your loan balance. When you buy a new or used vehicle, there's no way to know if it will be stolen or totaled in an accident. With MEMBER'S CHOICE Guaranteed Asset Protection Plus, you're protecting your vehicle investment against a possible financial loss.
How Does It Work?
The fee can be included with your monthly payments or made separately by cash, check, charge or possible electronic funds transfer. If there's a difference between what you owe on your loan and the value of your vehicle, GAP Plus will help pay the difference based on the terms of your member agreement. By taking a few simple steps while signing your loan paperwork, you're helping take responsibility for your financial future. Your loan officer can show you how.
Why Is It Valuable?
New and used vehicles often depreciate rapidly and vehicle loans are typically getting longer in terms. There may be a point where you owe more than it's worth. That's where MEMBER'S CHOICE GAP Plus can kick in. GAP Plus will help cancel the difference between the primary insurance settlement and what you may still owe. In addition, if your vehicle is stolen or totaled in an accident, it will cancel $1,000 of your next loan with Cornerstone FCU when you purchase a replacement vehicle within 60 days of your primary insurance settlement. MEMBER'S CHOICE Guaranteed Asset Protection Plus helps you prepare for the unexpected.

Contact a loan officer for more information regarding your GAP Plus options.

Cornerstone FCU Offers Financial Planning Services
Through INVEST Financial Corporation

Cornerstone Federal Credit Union is proud to provide access to the quality products and services of INVEST Financial Corporation (INVEST). We have selected INVEST in order to provide our valued members with convenient access to a variety of quality investment products.

INVEST is a full-service company offering financial advice and investment recommendations to clients nationwide. INVEST features Strategies for:

Financial Planning
Retirement Planning
Estate Planning
Charitable Giving
College Planning
Tax Managed Investing

Investments                      Retirement Plans                      Insurance                      Annuities
~ Mutual Funds                   ~ IRAs                                           ~ Life Insurance              ~ Variable
~ Stocks                              ~ 401(k) Plans                             ~ Long Term Care          ~ Fixed
~ Bonds                               ~ SEP/IRAs
~ Unit Investment                ~ Simple Plans
   Trusts (UIT's)
~ Exchange Traded
   Funds (ETF's)

Christina Ward is a Registered Representative of INVEST Financial Corporation and is available in Cornerstone FCU to personally assist you with all your investment needs. We value your business and trust. Having an INVEST relationship supports our commitment to you and your personal and business financial needs. For more information or a free consultation, call Christina Ward at 717-249-1661.

INVEST Financial Corporation's Privacy Policy

Important Consumer information:

This site is for informational purposes only and is not intended to be a solicitation offering of any security and;
1. Representatives of a broker-dealer ("BD") or investment advisor ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state's licensure requirements.

2. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securites; or (b) rendering personalized investment advice for compensation.

INVEST Financial Corporation (INVEST), member FINRA/SIPC is not affiliated with Cornerstone FCU. Securities and insurance products offered through INVEST and affiliated insurance agencies are: *Not FDIC or NCUA insured *Not Bank or Credit Union Guaranteed *May lose value including loss of principal. 67614-01/06/2011

Cash In On Cash Back

You can now opt for cash back on your Cornerstone Visa credit card purchases!

Earn 1% cash back on all of your everyday purchases

Cornerstone's Cash Back Rewards Program Offers:

~ 1% cash back on all purchases

~ Low annual percentage rate of 10.9%

~ Prestigious Platinum card

~ Annual payout of money earned

~ The more you use your card, the more cash back you get

~ Zero liability on unauthorized transactions

Enroll today to participate in this exciting rewards program!

If you do not currently have a CFCU Visa, applying for one is easy. Simply click here to complete an online application.

Credit Reports

Viewing your credit report is the perfect way to be sure that no one has stolen your identity or used your name and account numbers to purchase items without your knowledge or consent. The three major credit bureaus offer your entire credit history in one easy to read report. Each agency can provide a report using just the information provided to them or you can request a combined (3-in-1) report, whereby, information provided to each agency is combined into one report. This type of report may be more useful since not all companies report their information to all three agencies. A FREE credit report can be obtained by linking to the annual credit report website.

CU Save Loan

Transfer Your Vehicle Loan At Any Time And Save Money

Bring your auto loan to Cornerstone if:

You settled for high-rate dealer financing
Your monthly payments aren't manageable
You want to pay your loan off sooner
Your loan is with another financial institution

Why borrow from Cornerstone?

Easy as a phone call: convenient, fast service with quick turnaround
Low fixed rates with flexible terms
No prepayment penalties
Convenient payment methods
Credit Disability and Life insurance protection available
No application fee

Financing rates may vary if your outstanding loan balance exceeds 125% of the NADA Used Retail Book Value. All loans subject to CFCU loan policy guidelines. Applies to new money only.

FREE Electronic Bill Payer

Use Electronic Bill Payer to pay your bills online and free up more time for you to use elsewhere

Bill payer allows you to electronically

send funds to friends and family
pay current bills
pay recurring bills
pay your bills from one Web site

It's easy to use and it's secure. Once you set up your payee list for the first time, you'll never have to do it again. The names and addresses remain in the system and the next time you are ready to pay a bill, you'll just retrieve the name from the existing list. No retyping.

It's cost effective:

the service is free to all members who sign up to use it*
save .46 for each stamp, not to mention checks, envelopes and convenience

Easy to use:

click here and enter your ID and password
enter the Bill Payer site
begin paying your bills online

Simply complete the authorization form and return it to the credit union and your account will be activated. Don't delay. Sign up today and begin saving money.

*A $2.95 inactivity fee will be assessed for no activity in any given month. Once you begin using the service again the fee will be waived.