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Rates

Interest Rates

See below for our current interest rates.Updated 1/02/2019

Personal

Personal Checking
Account Minimum Balance2 APY1
Basic Checking $.00 N/A
Checking Plus $1,000 .05%
Checking Plus $20,000 .10%

1 APY=Annual Percentage Yield. Dividends are credited to your account and compounded daily and paid monthly. Dividend rates and annual percentage yields may change at any time due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0, for more information.

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day) to earn stated dividends.


Savings Rates
Effective Date: 4/01/20133
Savings Rates Min. Balance4 Dividend Rate APY5
Primary Savings $25.00 .10% .10%
Sub-Savings $25.00 .10% .10%

3All savings dividend rates are variable. Dividend rates and annual percentage yields may change at any time due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0, for more information.

4Minimum balance requirements apply to average daily balance (amount of principal in account each day) to earn stated dividends.

5APY=Annual Percentage Yield. This rate schedule states rates applicable to specified accounts unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Dividends are credited to your account and compounded daily and paid monthly. This schedule is incorporated as a part of your account agreement with your Credit Union.


Youth Savings Rates
Effective Date: 4/01/20131
Savings Rates Minimum Balance2 Dividend Rate APY3
Youth Savings $100.00 .10% .10%

1 All savings dividend rates are variable. Dividend rates and annual percentage yields may change at any time due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0, for more information.

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day) to earn stated dividends.

3 APY=Annual Percentage Yield. This rate schedule states rates applicable to specified accounts unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Dividends are credited to your account and compounded daily and paid monthly. This schedule is incorporated as a part of your account agreement with your Credit Union.

4Earnings can be reduced for inactivity.


Holiday Club Rates
Effective Date:4/01/20131
Savings Rates Minimum Balance2 Dividend Rate APY3
Holiday Club $250.00 .10% .10%

1 All savings dividend rates are variable. Dividend rates and annual percentage yields may change at any time due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0, for more information.

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day) to earn stated dividends.

3 APY=Annual Percentage Yield. This rate schedule states rates applicable to specified accounts unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Dividends are credited to your account and compounded daily and paid monthly. This schedule is incorporated as a part of your account agreement with your Credit Union.

4Earnings can be reduced for inactivity.


Fixed Rate Home Equity Loans
Term LTV* APR1 as low as2 Payment3
3 Year 80% 5.75% $303.06
3 Year 90% 6.25% $305.33
5 Year  80% 6.00% $193.32
5 Year 90% 6.50% $195.65
7 Year   80% 6.50% $148.49
7 Year  90% 7.00% $150.93
10 Year  80% 6.75% $114.83
10 Year  90% 7.25% $117.41

*LTV=Loan-To-Value. Minimum loan amount: $2,500. Maximum loan amount: $100,000.
1 APR=Annual Percentage Rate
2 Rate available to highly qualified members
3 Payments based on $10,000 loan
Home Equity loans do not qualify for Rate Buy Downs.


Home Equity Line of Credit (HELOC)
Loan-to-Value (LTV) APR1
0-80% 6.00%
81-90% 7.00%

1 APR=Annual Percentage Rate. HELOCs do not qualify for loan Rate Buy Downs.
Home Equity Line of Credit Guidelines: Maximum repayment: 15 years, Annual Percentage Rate May Vary, Minimum APR: 4.00%, Maximum APR: 21.00%, Property Insurance Required,
Estimate of other fees for opening plan ranges from $166.00 - $725.00.


Motorcycle, Snowmobile & Jet Skis

New Motorcycles, Snowmobiles & Jet Skis (2018, Newer or Untitled)

Term APR1 as low as2 Payment
Up to 60 Months 6.25% $388.963
72 Months4 6.75% $338.574

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members.
3 Payments based on $20,000 loan.
4 Minimum loan required for this rate is $20,000. Payment based on $20,000 loan.
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these special rates.

Used Motorcycles, Snowmobiles & Jet Skis (2011-2017)

Model Year Term APR1 as low as2 Payment3
2010-2016 48 Months 8.25% $122.64

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $5,000 loan
Existing loans financed by CCU do not apply.No Rate Buydowns.

Classic Motorcycles

Term APR1 as low as2 Payment3
Please call for loan advances & terms 9.25% $208.80

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $10,000 loan for 60 months.


New & Used Vehicles

New/Used Cars, Trucks & Vans (2018, Newer, or Untitled)

Term APR1 as low as2 Payment3
24-36 Months 3.55% $648.33 (24 months) to $439.84 (36 months)
48 Months4 4.29% $227.07
60 Months4 4.54% $186.59
66 Months4 5.04% $173.78
72 Months5 5.29% $243.57
84 Months6 5.79% $290.13

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members.
3 Payments for 24-36 month terms based on $15,000 loan. Other terms based on $10,000 loan.
4 $10,000 minimum amount financed required for 48-66 Month terms.
5$15,000 minimum amount financed required for 72-Month term.
6$20,000 minimum amount financed required for up to a 84-Month term.
Multiple service discounts and rate buy-downs available.

New/Used Cars, Trucks & Vans (2016-2017)

Term APR1 as low as2 Payment3
24 Months 3.55% $648.33
36 Months 3.55% $439.84
48 Months 4.29% $227.07
60 Months 4.54% $186.59
66 Months 5.04% $173.78

2.1 APR=Annual Percentage Rate
2 Rate available to highly qualified members.
3 Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed.
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these special rates. 
 

Older Model Used Cars, Trucks & Vans (2012-2015)

Model Year Term Minimum Loan Amt APR1 as low as2 Payment3
2012-2015 48 Months $7,500 6.49%4 $177.80
  60 Months $7,500 6.49%4 $146.69
2007-2011 48 Months $5,000 6.49%4 $118.53

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members.
3 Payments based on minimum loan amounts.
4 Rate Buy Down of .30% available, ONLY if loan set up with ACH/Auto Pay and e-Statements
Existing loans financed by CCU do not apply.

Classic Cars

Term APR1 as low as2 Payment3
Please call for loan advances & terms 9.25% $208.80

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $10,000 loan for 60 months.


Personal & Signature Loans
Term APR1 as low as2 Payment
Signature Loan (Up to 42 Months) 12.00% $146.33(Based on $5,000 line)

No Rate Buy Downs on signature loans.


Personal Revolving Line of Credit
Term APR1 as low as2 Payment
Revolving Line of Credit 18.00% 3.4% of Balance, $20 minimum

RV, Motorhome, Boat & Travel Trailers

New/Used RV, Motorhome, Boat & Travel Trailer (2012, Newer, or Untitled)

Term APR1 as low as2 Payment3
72 Months  (minimum $5,000 financed) 6.79% $84.733
120 Months  (minimum $10,000 financed) 6.79% $115.024
180 Months   (minimum $25,000 financed) 6.79% $221.79
180 Months  (minimum $50,000 financed) 6.50% $435.56
240 Months  (minimum $100,000 financed) 6.50% $745.63

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members.
3 Payments based on term and minimum amount financed.
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these rates.

Used RV, Motorhome, Boat & Travel Trailer (2007 - 2011)

Term APR1 as low as2 Payment3
Up to 60 Months  (minimum $5,000 financed) 8.25% $101.96

1 APR=Annual Percentage Rate
2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $5,000 loan
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these rates.


IRAs and CDs

Regular & IRA Certificates > $1,000+

Effective Date: 11/09/20181
Term Min. Balance Dividend Rate APY2
90-Day3 $1,000.00 .30% .30%
180-Day3 $1,000.00 .45% .45%
12-Month $1,000.00 .85% .85%
18-Month $1,000.00 1.00% 1.00%
24-Month $1,000.00 1.04% 1.05%
30-Month $1,000.00 1.09% 1.10%
36-Month $1,000.00 1.34% 1.35%
48-Month $1,000.00 1.49% 1.50%
60-Month $1,000.00 2.08% 2.10%

Regular & IRA Certificates > $20,000+

Term Min. Balance Dividend Rate APY2
12-Month $20,000.00 .945% .95%
18-Month $20,000.00 1.09% 1.10%
24-Month $20,000.00 1.14% 1.15%
30-Month $20,000.00 1.19% 1.20%
36-Month $20,000.00 1.44% 1.45%
48-Month $20,000.00 1.59% 1.60%
60-Month $20,000.00 2.18% 2.20%

Regular & IRA Certificates > $100,000+

Term Min. Balance Dividend Rate APY2
180-Day3 $100,000.00 .55% .55%
12-Month $100,000.00 .945% .95%
18-Month $100,000.00 1.09% 1.10%

1Certificate dividend rates are subject to change due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0.

2APY=Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call 815.235.5855.

3Simple interest paid at maturity.


Money Market Rates
Effective Date: 11/6/20181
Savings Rates Minimum Balance2 Dividend Rate APY3
IRA Money Market $0.01 .20% .20%
IRA Money Market $2,500.00 .20% .20%
IRA Money Market $20,000.00 .25% .25%
IRA Money Market $75,000.00 .30% .30%
Insured Money Market $2,500.00 .20% .20%
Insured Money Market $20,000.00 .25% .25%
Insured Money Market $75,000.00 .30% .30%
Insured High Yield Money Market4 $5,000.00 .70% .70%

1 All savings dividend rates are variable. Dividend rates and annual percentage yields may change at any time due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0, for more information.

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day) to earn stated dividends.

3 APY=Annual Percentage Yield. This rate schedule states rates applicable to specified accounts unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Dividends are credited to your account and compounded daily and paid monthly. This schedule is incorporated as a part of your account agreement with your Credit Union. Earnings can be reduced for inactivity.

4 Deposits that fall below the minimum deposit with a month will have their interest rate converted to our standard current Money Market (MMK) interest rate. Existing MMK Account members in good standing allowed to take advantage of this special rate, if they add a minimum of $2,000 to their existing MMK account. Minimum $5,000 balance still applies. Existing members in good standing will be allowed to use existing funds at CCU to open a High Yield MMK Account with a minimum $5,000 required, plus an additional $2,000 of new money. Definition of a member in good standing: a) Has an active CCU checking account or MMK account with direct deposit and/or payroll deduction and a debit card; or b) Has a collateralized loan with a balance of $7,500 or more; or c) Has a home equity or mortgage loan at CCU.

.


Business

Business Checking Accounts

Premier Business Checking1

Daily Balance APY2 Monthly
Service
Charge		 # Free checks
per month		 # Free checks
deposited
per month		 Overage fee
per additional
Up to $2,499.99 .00% $6.00 150 50 $0.15
$2,500 - $4,999.99 .10% $6.00 150 50 $0.15
$5,000 - above .20% $6.00 150 50 $0.15

1 Typically maintains balance over $5,000 and has a larger volume of transactions; Earns dividends that may offset transaction fees; Dividend rate is based on daily balance. 2 APY=Annual Percentage Yield.

Premium Business Checking

Daily Balance APY1 Monthly
Service
Charge2		 # Free checks
per month		 # Free checks
deposited
per month		 Overage fee
per additional
Up to $19,999.99 .00% $25.00 Unlimited Unlimited N/A
$20,000 - above .35% $0.00 Unlimited Unlimited N/A

1 APY = Annual Percentage Yield. 2 Service charge waived if average balance maintained > $20,000.


Business Savings Rates
Daily Balance APY1 Monthly
Service
Charge2		 # Free checks
deposited
per month		 Overage fee
per additional
Up to $249.99 .00% $4.00 15 $0.15
$250 - above .10% $4.00 15 $0.15

1 APY = Annual Percentage Yield. 2 Service charge waived with Business Share Savings Account and one of CCU’s three Business Checking Accounts.


Business CDs and Money Market Account1

Business CDs

Same terms, rates, minimums as Personal Certificates of Deposit.

Money Market Account

Effective 11/6/20181
 
Daily Balance2 APY3
$2,500 to $19,999.99 .20%
$20,000 - $74,999.99 .25%
$75,000 - above .30%

1 All savings dividend rates are variable. Dividend rates and annual percentage yields may change at any time due to market conditions.
2 Minimum balance requirements apply to average daily balance (amount of principle in account each day) to earn stated dividends.
3 APY=Annual Percentage Yield.


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

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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.