Cornerstone Financial Credit Union Dickson TN | Best Auto Loans & Business Banking

Introduction

Welcome to Cornerstone Financial, your trusted partner in financial growth and security right here in Dickson, TN! Located at 650 Highway 46 S, we have been proudly serving our community since 1962. With a commitment to providing personalized banking solutions, we've grown to support over 48,342 members with a wide range of services designed for every stage of life. At Cornerstone Financial, we understand that every member's journey is unique. That's why we offer an extensive array of financial products including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. Our total assets now exceed an impressive $612,836,279, ensuring that we are well-equipped to meet your needs. Our dedicated team of 102 employees, led by our CEO Donna Young and Board President Gary Cowan, works tirelessly to ensure you receive the highest level of service. We pride ourselves on being more than just a financial institution; we are a part of the Dickson community. Our aim is to foster relationships built on trust and transparency while empowering our members to achieve their financial goals. Whether you're looking to buy a new car with one of our competitive auto loans or want to open a savings account with us, we're here to help. You can easily access your accounts through online and mobile banking or visit us in person during our convenient hours from 8:30 AM to 5:00 PM Monday through Friday. While members can visit us at 650 Highway 46 S, official correspondence should be sent to our mailing address at 650 Highway 46 S, Dickson, TN 37055-2552. If you have any questions or need assistance, don't hesitate to call us at 615-740-4442. Join us today and experience the difference at Cornerstone Financial! For more information about membership or to apply for loans, please visit our website. We're excited to be your financial partner on this journey!

Branch History & Mission

Commitment to Accessibility

Our branch is designed with accessibility in mind. With ADA-compliant facilities and services such as drive-thru banking and ATM availability, we make it easy for everyone to manage their finances conveniently. While members can visit us at 650 Highway 46 S for all their banking needs, official correspondence should be sent to the same address: 650 Highway 46 S, Dickson, TN 37055-2552.

Join Us

As we continue our journey, we invite you to become part of the Cornerstone Financial family. Experience firsthand how we can help you achieve your financial goals while being an integral part of a community-focused credit union. Visit us during our operating hours from Monday to Friday, 8:30 AM to 5:00 PM or contact us at (615) 740-4442 for more information about membership benefits. Let's build a brighter financial future together!

Our Mission

Our mission at Cornerstone Financial is simple: to enhance the financial well-being of our members while fostering a sense of community. We strive to deliver excellent service through innovative banking solutions that make managing finances easier and more accessible. Whether it's through online banking or mobile payments, we ensure that you can bank on your terms. We understand that financial health goes beyond numbers; it's about building relationships and supporting our local community. From sponsoring local events to partnering with schools for educational programs, we are deeply committed to making a positive impact in Dickson and surrounding areas.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We offer ample parking for all visitors, including accessible spaces for those who may need them. The entrance is ADA compliant, featuring ramps and wide doorways to ensure everyone can access our services comfortably.

Operating Hours

At Cornerstone Financial, we understand that your time is valuable. That's why we are open Monday through Friday from 8:30 AM to 5:00 PM. Whether you need assistance with personal banking services or have questions about loans, our friendly staff is ready to help during these hours.

Services Offered

We provide a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed just for you. If you're in a hurry, take advantage of our drive-thru banking for quick transactions like deposits and withdrawals without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. Feel free to reach out with any questions or visit us today! You can give us a call at 615-740-4442 if you prefer speaking with one of our representatives directly. We look forward to serving you at Cornerstone Financial!

Member Eligibility

Becoming a member of Cornerstone Financial is like joining a family that truly cares about your financial well-being. If you're interested in joining our community, you'll be pleased to know that eligibility is open to individuals who live, work, worship, or attend school in Dickson County and surrounding areas. This means if you're part of our local community, you're likely eligible! Membership offers you access to a range of personalized financial services designed to help you thrive whether it's savings accounts with great rates, auto loans, or credit cards with rewards. To learn more about the specific criteria for membership, feel free to check out the detailed information at http://www.bankcfcu.org/about/membership. When you're ready to take the next step towards becoming a member, opening an account is simple and straightforward. You can begin the process by visiting us online at http://www.bankcfcu.org/loans/apply, or give us a call at (615) 740-4442 if you have any questions. We look forward to welcoming you into the Cornerstone Financial family at 650 Highway 46 S Dickson Tn 37055!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $60 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $52 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $7,549,865, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Managing transactions efficiently is vital for any business. Our merchant services make it easy for you to accept payments, whether through credit cards, debit cards, or mobile payments. Imagine the convenience of serving your customers quickly while keeping track of sales seamlessly all backed by our dedicated support team. Located at 650 Highway 46 S Dickson Tn 37055 in Dickson, TN, we invite you to explore how our business banking and commercial services can elevate your enterprise. Contact us at (615) 740-4442 or visit our website at https://www.bankcfcu.org/ to learn more!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer face-to-face interactions or need quick transactions, we offer basic drive-thru banking for deposits and withdrawals. Our ATM services ensure that cash withdrawal is just around the corner whenever you need it. At Cornerstone Financial, we are committed to making your banking experience as straightforward and efficient as possible. Our friendly staff is always ready to assist you with any questions or concerns. Ready to explore how we can help you achieve your financial goals? Give us a call at (615) 740-4442 or visit us today at 650 Highway 46 S Dickson Tn 37055 in Dickson, TN. Join us at Dickson where your financial future starts now!

Business Banking Services

If you're a business owner, Cornerstone Financial provides essential services like merchant services and business loans to support your growth and operations. We understand that every business has unique needs, which is why we tailor our solutions specifically for you.

Credit Cards and Rewards

Our members can benefit from credit cards with rewards programs that make everyday purchases even more rewarding. Whether you want to earn points for travel or cashback on everyday spending, we have the right card for you.

Digital Banking Convenience

In today's fast-paced world, convenience matters. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, or even make person-to-person payments with just a few taps on your phone. With features like mobile payments, accessing your money has never been easier.

Personal Banking Solutions

We understand that managing your finances is crucial. That's why we provide various personal banking options, including checking and savings accounts designed to help you save while enjoying easy access to your funds. If you're in the market for a new vehicle, our auto loans and vehicle financing solutions offer competitive rates and flexible terms to get you on the road sooner. For those considering homeownership, our mortgage loans and refinancing options are tailored to fit your budget and lifestyle. We also offer personal loans and debt consolidation services to help you manage unexpected expenses or combine existing debts into one manageable payment.

Digital & Online Banking

Convenience on the Go

We know life gets busy, which is why our mobile payments feature allows you to make purchases directly from your phone. Whether you're out shopping or dining, paying has never been easier. And if you ever need assistance, our friendly support team is just a call away at (615) 740-4442. With everything from checking balances to making payments available at your fingertips, managing your money has never been so convenient. Explore all that digital banking has to offer at Cornerstone Financial today!

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. If you're looking for quick and easy ways to send money, our person-to-person transfers feature lets you send cash directly to friends and family without the hassle of checks or cash. Plus, with our mobile application available, you can manage your finances right from your smartphone. Security is a top priority for us at Cornerstone Financial. We offer electronic signature authorization to simplify transactions while keeping your information safe. You can also opt for e-statements to go paperless and keep track of your finances securely online.

Financial Strength

A Growing Member Base

With total share accounts reaching 81,378, it's clear that our strong and growing member base trusts us with their finances. This trust empowers us to continue fostering a supportive community where everyone can thrive financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cornerstone Financial is your trusted partner. Visit us at 650 Highway 46 S Dickson Tn 37055 or call (615) 740-4442 to learn more about how we can help you achieve your financial goals.

Commitment to Reinvestment

With $61,488,802 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to continually improve the quality of services we provide.

Dedicated Team for Exceptional Service

We also take pride in having 101 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our dedication to excellent service is matched only by our commitment to maintaining a healthy balance sheet.

Our Solid Financial Position

With a net worth of $61,605,087, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.05% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secure Savings for Our Members

Members' savings are secured through $141,367,307 in share certificates and $120,488,442 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $398,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Supporting Your Financial Goals

Our capacity to lend is robust with $11,703 in used auto loans and $513,106,827 in total loans and leases supporting members' financial goals across various sectors. Additionally, our operational efficiency is reflected in our $2,043,275, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $246,023,718 in used vehicle loans and $72,356,486 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car buying experience as smooth as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $7,549,865 provide the capital needed to grow and expand your business. We understand the unique challenges faced by small businesses and are here to support your ambitions. At Cornerstone Financial in Dickson, TN (650 Highway 46 S), we're dedicated to providing personalized service tailored to your financial needs. For more information about our loan offerings or assistance with applications, feel free to reach us at 615-740-4442 during our operating hours from Monday to Friday between 8:30 AM and 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward financial success!

Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $22,132,305 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit you in your daily spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $37,360,984, make buying or refinancing simple. We are committed to helping you navigate the mortgage process with ease. If you need assistance with refinancing options or eligibility requirements, our team is ready to assist.

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