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Welcome to the Bulldog Student-Run Branch of Cornerstone Federal Credit Union. Our branch is a cooperative partnership between Big Spring School District and Cornerstone FCU. This branch will allow students, family, faculty, and staff to learn more about personal finance and to take advantage of the services offered by this not-for-profit cooperative. The Independent Study Class and the Small Operations Business Class is responsible for marketing the branch and two of the students have been hired as student tellers by Cornerstone FCU.
Bulldog Branch will allow the convenience of onsite access for financial transactions and will be open three days each week. |
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2013 Bulldog Branch Schedule
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Tuesday, April 30 |
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Thursday, May 1 |
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Friday, May 2 |
| Tuesday, May 7 |
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Thursday, May 9 |
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Friday, May 10 |
| Tuesday, May 14 |
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Thursday, May 16 |
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Friday, May 17 |
| Tuesday, May 21 |
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Thursday, May 23 |
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Friday, May 24 |
| Tuesday, May 28 |
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Thursday, May 30 |
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Friday, May 31 |
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Personal Finance Classes Attend
Financial Reality Fair Students from the Personal Finance classes faced a day in the "real world" recently when they visited the Financial Reality Fair held in the large group room. After selecting their profession, students were given a budget worksheet with their monthly take home pay, a student loan, if applicable, a credit card payment and a list of tables they needed to visit. Eash student was required to purchase a car, secure housing, utilities and furniture, in addition to food, clothing, cell phone, insurance, entertainment, and savings. They also had the option to visit five additional tables if they wanted a pet, a vacation package, hair cuts or manicures, gym membership or to make charitable donations.
As in life, sometimes you get handed unexpected situations, and so each student had to spin the Wheel of Reality where they received something good, such as: a tax refund, an inheritance, birthday money, a second job, a job promotion, or mandatory overtime. Then there were those who were not as fortunate. Their spin actually cost them money - new tires, a friend's wedding, an insurance deductible, a medical expense, a cell phone upgrade, or a computer crash.
After each purchase and loan payment was deducted from their monthly income, they sat down with a financial counselor to discuss their budget. Some students had money left at the end of the month while others needed to return a vehicle that was out of their price range or move back home with mom and dad. Still others needed to find a second job or make cuts elsewhere.
The Reality Fair put life in perspective for many of the students in that they had no idea how much it costs to live on their own!
 
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Types of Accounts Available
- Individual Account
- Joint Account with Parent/Guardian
- Custodial Account
- Faculty and Staff Accounts
Click Here for Detailed Account Information
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Special Account Products
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Bulldog Saver Account - As a way to teach the importance of paying yourself first, this account will give students the opportunity to watch their savings grow at a faster rate than that of a normal savings account. The account will pay an annual percentage yield that equals our Share Savings rate plus .25% (25 basis points) with no withdrawal restrictions. This rate is subject to change at the monthly Board of Directors meetings. This account is available to any child aged
0 - 18 years.
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Credit Builder Loan - Created for students, who with a parent or guardian signature, if under 18 years, want to begin building a credit history. The loan is secured by savings on deposit at the credit union with a loan interest rate at 1% higher than the secured savings account earnings rate.
- Checking Account
- Debit Card
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Scholarship Opportunities for Student Members
Cornerstone Federal Credit Union offers three $1,000 scholarships for members who are planning to attend an institution of higher learning. In order to qualify for these scholarship opportunities, you must be a member prior to December 31, 2011. On January 3, 2012 the scholarship application will be made available and you will be able to access it from this Web site. Stay tuned for more details and deadlines.
Additionally, Cornerstone offers two $250 scholarships exclusively to students of Big Spring High School. Information can be obtained from one of the business department teachers.
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Electronic Services
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Additional School Branch Services
- Deposit, Withdrawal & Check Cashing
- Money Market Account
- Certificates of Deposit
- Money Orders
- Gift Cards
- Fee Free ATM
 Students are not limited to conducting business at the school branch. As a Cornerstone FCU member, you can use any branch location and more than 1,000 No Surcharge ATM locations throughout Pennsylvania.
Cornerstone FCU is part of the No Surcharge ATM Alliance. This alliance allows credit union members to use machines owned by other credit unions at no cost. Just look for the maroon CU$ logo on the ATM before you use it.
Who Else Is Eligible to Become A Cornerstone FCU Member?
Anyone who lives, works, worships or attends school in Cumberland County or the entire borough of Shippensburg. Additionally, their family members can also join. Businesses and other legal entities within the community boundaries may also qualify for membership.
Belonging to Cornerstone FCU is easy for you and your family members. Click on the iBelong poster to see if you can join. Or, just give us a call and we'll help you out. After all, we are all about "people helping people" and we are here just for you.
Contact Cornerstone FCU by sending an email to bulldogs@cornerstonefcu.coop
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