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CCFCU Rates
Share Certificate Dividend Rates and Annual Percentage Yield ¹
Effective Monday, May 5th 2008 - APY represents Annual Percentage Yield

TERM

MINIMUM BALANCE
TO EARN DIVIDENDS

DIVIDEND RATE

APY

91-day $500 - $4,999.99

1.980%

2.000%

$5,000.00 - $24,999.99

1.980%

2.000%

$25,000.00 - $49,999.99

2.078%

2.100%

$50,000.00 - $99,999.99

2.176%

2.200%

Jumbo $100,000.00

2.176%

2.200%

 

6 month

$500 - $4,999.99

2.225%

2.250%

$5,000.00 - $24,999.99

2.225%

2.250%

$25,000.00 - $49,999.99

2.323%

2.350%

$50,000.00 - $99,999.99

2.421%

2.450%

Jumbo $100,000.00

2.421%

2.450%

 

1 year

$500 - $4,999.99

2.225%

2.250%

$5,000.00 - $24,999.99

2.225%

2.250%

$25,000.00 - $49,999.99

2.323%

2.350%

$50,000.00 - $99,999.99

2.421%

2.450%

Jumbo $100,000.00

2.421%

2.450%

 

2 year

$500 - $4,999.99

2.469%

2.500%

$5,000.00 - $24,999.99

2.469%

2.500%

$25,000.00 - $49,999.99

2.567%

2.600%

$50,000.00 - $99,999.99

2.664%

2.700%

Jumbo $100,000.00

2.664%

2.700%

 

3 year

$500 - $4,999.99

2.469%

2.500%

$5,000.00 - $24,999.99

2.469%

2.500%

$25,000.00 - $49,999.99

2.567%

2.600%

$50,000.00 - $99,999.99

2.664%

2.700%

Jumbo $100,000.00

2.664%

2.700%

 

4 year

$500 - $4,999.99

2.713%

2.750%

$5,000.00 - $24,999.99

2.713%

2.750%

$25,000.00 - $49,999.99 2.810% 2.850%
$50,000.00 - $99,999.99 2.907% 2.950%
Jumbo $100,000.00 2.907% 2.950%
 
5 year $500 - $4,999.99 2.956% 3.000%
$5,000.00 - $24,999.99 2.956% 3.000%
$25,000.00 - $49,999.99 3.053% 3.100%
$50,000.00 - $99,999.99 3.150% 3.200%
Jumbo $100,000.00 3.150% 3.200%
¹ A penalty will or may be imposed for early withdrawal. Minimum balance to earn interest, $500.00.
 
Share Dividend Rates and Annual Percentage Yield¹
 

Product
Type

MINIMUM BALANCE
TO EARN DIVIDENDS

DIVIDEND RATE

APY

No. 1
Money
Fund*
$2,500 - $4,999.99

1.243%

1.250%

$5,000.00 - $24,999.99

1.243%

1.250%

$25,000.00 - $49,999.99

1.490%

1.500%

$50,000.00 - and more

1.736%

1.750%

** Rates effective for month ending: 3-31-2008



Product
Type

MINIMUM BALANCE
TO EARN DIVIDENDS

DIVIDEND RATE

APY

Premium
Money
Market***
$0 - $25,999.99

0.000%

0.000%

$25,000.00 - $49,999.99

2.472%

2.500%

$50,000.00 - $99,999.99

2.960%

3.000%

$100,000.00 - and more

3.445%

3.500%

*** All Annual Percentage Yields (APY) are variable rates. Minimum initial deposit for the 2.50% APY is $25,000; for the 3.00% APY, the minimum initial deposit is $50,000; and for the 3.50% APY, the minimum initial deposit is $100,000. Opening deposits for all premium money market accounts must be new money not already on deposit with Cornerstone. There is a limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $100,000, move to the $50,000 tier. If the account balance falls below $50,000, move to the $25,000 tier. If the account balance falls below $25,000, then dividends will not be issued.



PRODUCT
TYPE

DIVIDEND RATE

APY

MINIMUM
BALANCE
TO OPEN

MINIMUM
AVERAGE
DAILY
BALANCE
TO EARN
APY

Regular
Shares &
Sub
Accounts
**
.75% .75% $5.00 $50.00
 

IRA
Account
**

1.50%

1.51%   $50.00

Member
Plus
Checking
**

.50%

.50%   $1,000.00
 

Christmas
&
Vacation
Clubs
**

.50%

.50%   $50.00
¹ Fees may reduce earnings on the account, and rates may change after account is open.
** Rates effective for quarter ending: 3-31-08
 
Loan Rates
As of Monday, May 5th 2008 - APR represents Annual Percentage Rate

Product
Type

APR

Car or Real
Estate Loans

as low as 5.00%*

Shared Secured Loan

3% over the stated Share Account dividend rate

Other Secured Loans

as low as 5.25%*

Unsecured Loans

as low as 9.95%*

Home Equity Line
of Credit**

as low as prime, or prime
+2.0%*

VISA® Classic- max $5,000

9.90%

VISA® Gold - max $10,000

8.90%

VISA® Platinum - max $15,000

7.90%


Student
Loans

APR

Undergraduate Subsidized Stafford Loans

Please call us at (716) 433-0063 for the current rates.

Graduate Subsidized, Unsubsidized Dependent, and Independent Stafford Loans
Parent PLUS and Graduate PLUS Loans

* Annual percentage rates, all loans subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates and terms available. Special promotional rates may apply. Please call the Loan Center for details.
** Prime rate is 7.25% effective 1/01/08 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, whichever is less. You must pay certain fees to third parties to open the plan. These fees generally total between $300.00 and $1,800.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.

 

Main Office

Cornerstone Community Federal Credit Union
6485 S. Transit Road
Lockport, NY 14095
1-800-488-6481 | (716) 434-2290 | info@cornerstonecommunityfcu.org
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