Loans

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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 quick 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.

Vehicle Loans

New & Used Vehicles

Finance up to 100% of your vehicle at Cornerstone Credit Union. 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 Vehicles Model Years: 2015, Newer, or Untitled
  • Used Vehicle Model Years: 2011-2012
  • Older Used Vehicle Model Years: 2002-2010 with rate buy-downs available
  • Call us about our Classic Cars/Motorcycles rates and terms

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.

Get a list of Cornerstone Credit Union Mortgage Loan Originators (MLOs) here.


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.

Get a list of Cornerstone Credit Union Mortgage Loan Originators (MLOs) here.


Rates Apply Today
Mortgage Loan

Thank you for taking time to visit our website to apply for a home loan. Our goal is to provide a favorable mortgage experience while maintaining consistent, straightforward communication.

After you complete the application a mortgage professional will then review your application to determine which program is in your best interest: conventional, FHA, VA or Rural Development. After this review, a representative from Consumer Loan Services, LLC (CLS) will contact you to discuss your options. CCU is proud to have partnered with CLS to provide you with multiple channels of mortgage options.

Once a decision has been made, CLS will send your initial forms directly to you or to our branch location and then together we will sign the forms and proceed to complete the loan transaction.

We look forward to assist you through this process to provide you with the key to your new home.

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
597585 Guadalupe Bonnell
936718 Gail Clore
1502461 Terrance Gilmore
1503993 Tarrah Hawes
1497623 David Hoffert
770537 Cheryl Lamm
770538 Lisa Miller
920707 Nicole Palas
1218116 Johana Pedroza
1179806 Julie Smith
1509601 Salvador Gomez Tenorio
1648573 Lisa Przytulski
1646313 Deanna McDermott
1648593 Riley Austin

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
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.