×
Cornerstone
Official App
Free – Google Play
Get it

Loans

Accent photo

Loans: Our Specialty

We offer competitive rates, flexible terms and lower monthly payments. Whether you’re buying a new house or vehicle, paying off debt, or just need extra cash, Cornerstone Credit Union offers loans to meet your needs and budget!

Apply Online

Applying for a loan with Cornerstone is convenient and easy. Apply online 24/7, by phone or stop in person into one of our Service Centers. Just select one of the loan types below to begin.

Do you want to get a copy of your credit report? Free credit reports are available under federal law at AnnualCreditReport.com.
 

Pay My Loan Option

It’s easy and convenient to make your CCU loan payments:

  • Make a one-time or recurring payment to your Cornerstone loan* using another institution’s credit card or debit card**.
  • Make a one-time or recurring payment to your Cornerstone loan using your checking or savings account(s) at other financial institutions.
  • Add & save up to 4 payment instruments
  • Add multiple loans to your profile and pay in one secured session
  • Your payment will be posted to your loan in approximately two (2) business days.
  • You can do this on your own … any time that works for you.

Important! If you’re a first time “Pay My Loan” user, you’ll need to know your Cornerstone Account Number and Loan ID Number. 

Click here to get started.

If you want to make a loan payment to your Cornerstone loan using your Cornerstone checking or savings account, please log in to your CCU online banking page, or use our mobile app, and make the transfer.
                                                                                                                  
*excludes mortgage and line of credit loans. Minimum payment is $10 and maximum is $1,500.
 **Mastercard, Discover, and Visa debit cards accepted. Credit card fees apply.

Vehicle Loans

New & Used Vehicles

Finance your new or used auto with Cornerstone Credit Union and save with affordable rates and payment terms. Purchase or refinance, we offer the same great rate. Borrow up to the retail value in the NADA Book including tax, title and license.

  • Same low rate for New or Used Vehicle Model Years: 2019 or Newer, or Untitled
  • Used Vehicle Model Years: 2017-2018
  • Older Used Vehicle Model Years: 2013-2016 with rate buy-downs available
  • Call us about our Classic Cars/Motorcycles rates and terms

Let Cornerstone Credit Union provide affordable financing with easy payments and terms. Apply now below, by phone, or at any CCU location

**Subject to credit approval. Rates may vary.
 
Rates Apply Today Preferred Auto Dealers
RV, Motor Home, Boat & Travel Trailers

Open road or open water: The choice is yours with an RV or Boat Loan from Cornerstone Credit Union. Financing is available for 100% of the NADA retail value for a used boat or RV.


Rates Apply Today
Motorcycle, Snowmobile & Jet Skis

Nothing feels quite like being one with the road on your two-wheeled ride. Look to Cornerstone CU as your “thrill” partner and talk to us about financing or refinancing your motorcycle.


Rates Apply Today
Home Equity Fixed-Rate Loan

Did your home endure weather damage? Have remodeling plans or need a new A/C unit, furnace or water heater? We're here to help. It is all possible with a Fixed-Rate Home Equity Loan. Borrow against your home's equity for up to 10 years, with only one monthly payment to manage.  

Read this article for comparative information.

SAFE Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators (MLO) of Cornerstone Credit Union (Institution 743907) can be found below:

NMLS ID MLO Name
472527 Scott Arnold
762751 Jason Barklow
1715666 Verenice Capilla Baragas
936718 Gail Clore
1509601 Salvador Gomez Tenorio
1497623 David Hoffert
770538 Lisa Miller
1179806 Julie Smith
1976250 Tana Slauson-Reed


For more information about the Nationwide Mortgage Licensing System & Registry, please visit the NMLS at www.nmlsconsumeraccess.org.


Rates Apply Today
Home Equity Line of Credit (HELOC)

For those recurring or random large expenses such as tuition, medical emergencies, or major car repairs, tap the accumulated equity in your home with our low-rate Home Equity Line of Credit. It features no loan-advance fees and low closing costs. The minimum initial advance is $2,500. After that, you can draw advances of $500 and up. The maximum repayment term is 15 years.

This account offers you flexibility access from your credit line—you can conveniently draw against your line by Check or Visa Debit Card.

Read this article for comparative information.

SAFE Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators (MLO) of Cornerstone Credit Union (Institution 743907) can be found below:

NMLS ID MLO Name
472527 Scott Arnold
762751 Jason Barklow
1715666 Verenice Capilla Baragas
936718 Gail Clore
1509601 Salvador Gomez Tenorio
1497623 David Hoffert
770538 Lisa Miller
1179806 Julie Smith
1976250 Tana Slauson-Reed


For more information about the Nationwide Mortgage Licensing System & Registry, please visit the NMLS at www.nmlsconsumeraccess.org.


Rates Apply Today
Mortgage Loan

Our goal is to provide a favorable mortgage experience while maintaining consistent, straightforward communication. Cornerstone offers competitive rates and fees to help find an affordable payment and term on your home loan. Our decision-making is local, and you can apply online (link below).

After you complete the application a mortgage professional will then review it to determine which program is best for you. After this review, a representative will contact you to discuss your options. 

Once a decision has been made, together we will sign the forms and proceed to the closing.

You can easily make your mortgage loan payment through your online banking page or set up an automatic payment. 

For current rates, please contact us at 800-711-3277 and speak to a financial service representative.

Is a Home Equity Loan or Home Equity Line of Credit a better fit for your needs? Get rates here.

SAFE Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators (MLO) of Cornerstone Credit Union (Institution 743907) can be found below:

NMLS ID MLO Name
472527 Scott Arnold
762751 Jason Barklow
1715666 Verenice Capilla Baragas
936718 Gail Clore
1509601 Salvador Gomez Tenorio
1497623 David Hoffert
770538 Lisa Miller
1179806 Julie Smith
1976250 Tana Slauson-Reed

For more information about the Nationwide Mortgage Licensing System & Registry, please visit the NMLS at www.nmlsconsumeraccess.org.
 
Apply Today
Personal Loans

Share Secured Loan

A loan secured with your Cornerstone Credit Union Savings account or Certificate of Deposit is a great way to get access to your savings, without depleting them. That's because 100% of the loan amount remains on deposit until the loan is paid off. A Share Secured Loan is a perfect loan for young people seeking to establish credit in a responsible manner.
 


Debt Consolidation Loan

If you're ready to take control of your debt, consolidating it at a lower rate is a wise move. Borrow up to $15,000 (based on creditworthiness) to pay off existing loans you have elsewhere. Current CCU loans do not qualify.


Personal Revolving Line of Credit

Life's emergencies and opportunities don't always line up with payday. An unsecured, open-end Line of Credit quickly provides you up to $10,000 (based on creditworthiness) in cash. Establish your credit line, and then draw on it as needed.

Enjoy 24/7 cash access via CU-Branch, CU-Mobile, EARS (our telephone teller) and transfer funds into your Cornerstone Credit Union Checking account. On the first of each month, repayment is made automatically from your Cornerstone Credit Union account. Monthly payments are based on 3.4% of the total approved credit line, with the minimum payment of $20.


Personal & Signature Loans

Eye on a new couch? Craving a Caribbean cruise? Computer crashed? Personal and Signature Loans at Cornerstone Credit Union can provide funds for furnishings or fun, unexpected expenses or ordinary obligations. Borrow up to $15,000 (based on creditworthiness).


Rates
Student Loan
Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans from Sallie Mae® and CCU are designed to meet your needs:
  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty1
  • Multiple repayment options

Apply Today
Cornerstone Credit Union
1-800-711-3277  •  Routing: 271184425  •  NMLS #743907
 

Like us on  facebook logo   download adobe reader

Co-op logoTrustage logoESI logoEHL logoNCUA logo
Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), with an added safety net of private insurance (Excess Share Insurance/ESI) for an additional $250,000. This is the highest combination of federal and private insurance available to consumers.