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  Cornerstone Credit Union                   |   w w w. c o r n e r s t o n e c u . o r g                  |    February 2010

Welcome to                              Cut Your Bills Down to Size
Connection is your new monthly
                                        with a Debt Consolidation Loan
                                        We’re always looking for ways to help
supplement to your quarterly
Connector.                              our members’ money go further.
                                        Well, now through March 31st, you can
In every issue, you’ll find offers      trade high-rate bills for a rate as low
and financial information to help       as 8.99%APR with a Cornerstone Credit
you do more with your money.            Union Debt Consolidation Loan.
For instance, in our inaugural issue,   Turn credit card debt and other bills                                                                c80m0y63k80

you’ll see how to save hundreds—        into one affordable monthly payment:
even thousands of dollars—with a
                                         • Borrow up to $15,000
Debt Consolidation Loan.
                                         • Terms up to 42 months,
You’ll also learn that E-Statements        flexible repayment
are a quick way to view your
account activity, just hours after       • No application fee,
month-end. It’s just one example           fast approval
of how you and your Credit Union
                                        Save hundreds—even                                                       Trade high-rate debt
can save paper and save our planet!
                                        thousands of dollars!
                                                                                                                  for a rate as low as:

                                                                                                           8.99 %
And don’t miss the article about our    Bills are taking a bigger bite out of
upcoming 70th Annual Meeting,           everyone’s paychecks these days.
or you could miss out on your           Especially credit card bills, with hidden
chance to win a 32” HDTV!               fees and higher default rates, even if
                                        your payment is as little as a day late.                                                            APR*
You’ll also find a copy of Connection   Here’s an example of how much lower
online at,        your payments could be with a Debt                                     Offer ends March 31, 2010
in case you want to share it with       Consolidation Loan:
friends and family members.
                                                                                                                Outstanding   Monthly        Interest
                                                                                                                  Balance     Payment          Paid

Youth Week                               Credit Card #1 (16.99% APR)

                                         Credit Card #2 (19.99% APR)



                                         Credit Card #3 (24.99% APR)                                              $2,500      $89.88        $1,274.96
April 18-24 is National Credit Union
                                         Credit Card #4 (new default rate 31.9% for major card issuer**)          $2,000      $79.62        $1,344.04
Youth Week. As always, Cornerstone
                                         Total of all cards                                                       $9,000      $317.00       $4,314.00
joins credit unions nationwide in
                                         After Consolidation
encouraging youth to open new
                                         Cornerstone Credit Union Loan at 8.99% APR                               $9,000      $250.56*      $1,507.47
accounts and add to existing
                                         Potential savings over life of loan                                                                $2,806.53
accounts. This year’s theme is
“Get in the Savings Game.” Watch
for further information next month,     Apply today—this offer ends March 31, 2010!
or go online at www.cornerstonecu.      You can apply online 24/7 at, call us
org. At Cornerstone, kids and teens     or stop by the Credit Union.
get the attention they deserve.         *APR = Annual Percentage Rate. Rates and terms are subject to change. Automatic payment required.
                                         Based on creditworthiness. Payment example: on a $9,000 loan with a 42-month term at 8.99% APR,
                                         monthly payment would be $250.56.
E-Statements Save Time, Save Trees                                                                             How to Reach Us
Switch to E-Statements—
They’re convenient, secure, paperless and free                                                               24/7 Online Access
How often do you get the chance to do                                                              
something that’s easy and convenient                                                                         Phone
for you and good for the entire planet?                                                                      815.235.5855
E-Statements are fast, convenient and                                                                        800.711.3277
secure. No need to wait for the mailman.
You have free access to your account                                                                         Fax
transaction history within hours of month-                                                                   815.235.5970
end! They’re a smart choice all around:
                                                                                                             Freeport Branch
 • E-Statements are faster than mailed                                                                       550 W. Meadows Drive
   paper statements                                                                                          Freeport, Illinois 61032
 • Print E-Statements or store them
   electronically—it’s up to you                                                                             Sterling Branch
 • E-Statements are safer—they can’t         E-Statements are good for the planet
                                                                                                             615 W. 3rd Street
   get lost in the mail, and you have        too! They save paper and reduce waste.
                                                                                                             Sterling, Illinois 61081
   easy access to review your last nine      And because they’re delivered to your
   statements online in a secure             computer, they save delivery fuel and                           24-Hour Audio
   environment through CU-Branch             cut pollution.                                                  Response (EARS)
                                             Sign up for E-Statements today!                                 815.266.3277 or 800.711.3277
All members benefit when you use
E-Statements. Paper statements cost          Visit our website and log in to CU-Branch,                      24-Hour Loans
the Credit Union money for printing,         your online account access system.                              800.711.3277
mailing and postage. The money saved         Then click on E-Statements. It’s that
when you choose E-Statements comes           easy to get started! If you’re not a
back to you and other members as             registered CU-Branch user, contact
better rates on loans and savings.           us to get started.
                                                                                                               Holiday Closings

                                                                                                            Presidents Day
Attend our 70th Annual Meeting,                                                                             Monday, February 15
                                                                                                            Remember, you can still access
Enter to Win a 32” HDTV!                                                                                    accounts online and at ATMs.

At Cornerstone, we’re proud of the fact
that we’ve been “Rock Solid since 1939.”                                                                    Deposits are insured up to $500,000—the first
                                                                                                            $250,000 is federally insured by NCUA and
And it’s members like you who make it                                                                       the next $250,000 is privately insured by ESI.
possible for us to make that statement.                                                                     This is the highest combination of federal and
                                                                                                            private insurance available to consumers.
So we want as many members as possible                                                                      Cornerstone does business in accordance with
to attend our 70th Annual Membership          Following the meeting, there will be a                        the Federal Fair Housing Law and the Equal
                                                                                                            Credit Opportunity Act.
Meeting on Saturday, March 13.                reception, with light snacks and tours
                                              of the facility. This is the perfect time
                                              for member-owners like you to be part
                                              of the democratic, cooperative process
                                              that makes credit unions unique.
                                              Come vote for your Cornerstone CU
                                              Board of Directors and help us celebrate
                                              our 70 rock solid years. We hope to
                                              see you there!

We’ll have special mementos for all mem-       70th Annual Membership Meeting
bers who attend. We’ll also have special       Saturday, March 13, 2:00 p.m.                                Connection is published for members
door prizes for attendees, including a                                                                      of Cornerstone Credit Union. Please
                                               550 West Meadows Drive, Freeport
                                                                                                            send questions or comments to
Toshiba 32” LCD HDTV, a Garmin GPS unit,
                                              *Door prizes for members only. Must be 18 years or older to
                                                                                                            Marketing Department, 550 W. Meadows
a 10-Sheet Cross Cut Shredder and other        win. Only one prize per household. Employees, volunteers     Drive, Freeport, IL 61032.
surprises. You must be present to win.         and their family members are not eligible to participate.

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