Flexible Demand Note Accounts

Flexible and convenient investments for your busy lifestyle.

With a Cornerstone Fund Flexible Demand Note account, you’ll have convenient, flexible access to your investment while also earning competitive interest* rates with no fees.

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Earn more on your money—in both dollars and sense

With a Cornerstone Fund Flexible Demand Note account, you’ll have convenient, flexible access to your investment while also earning competitive interest* rates with no fees. Flexible Demand Note accounts can be opened for as little as $50. Plus, your investment helps the Cornerstone Fund offer low-cost loans to local United Church of Christ ministries and non-profit organizations.

Enjoy convenient, flexible access to your investment

Cornerstone Fund Flexible Demand Note accounts are both convenient and easy-to-access. You can withdraw any portion of your investment at any time—either by an ACH transfer within your online account or by emailing us. You also have 24/7 online access to your account after you have enrolled online.

Earn even more with the Flexible Demand Plus Note Account

The Cornerstone Fund’s Flexible Demand Plus Note account rewards you even more with the same flexibility of a traditional demand note account. With an opening investment of at least $50 and a minimum monthly investment of $100 (via ACH/electronic funds transfer), you will earn even higher rates than a standard flexible demand note account. See our Offering Circular for details.

The Cornerstone Fund Flexible Demand Note Account Advantage

The Cornerstone Fund’s Flexible Demand Notes allow you to have easy access to your investment, while also supporting local communities that are supported by United Church of Christ ministries. Use Flexible Demand Note accounts to save for quarterly tax payments, out-of-pocket healthcare expenses, school tuition, and/or unexpected home repair projects—all while earning competitive interest* on your dollars.

Frequently Asked Questions

What is the minimum opening balance requirement?

A Cornerstone Fund Flexible Demand Note Account can be opened for as little as $50.


How much interest does the account earn?

Cornerstone Fund Flexible Demand Notes earn competitive* interest. Check out our current rates, and we encourage you to compare them to other financial institutions.


What are the monthly service charges?

There are no monthly service charges with Cornerstone Fund Flexible Demand Notes.


How can I access my account?

You can easily access your account online. Enroll here.


Is there a monthly investment requirement?

There is no monthly deposit requirement for a traditional Flexible Demand Note; however, if you’d like to earn a higher rate of interest, a Flexible Demand Plus Note requires a $100 minimum monthly investment (via ACH).