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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cornerstone Community Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Cornerstone Community Federal Credit Union's 6 Month Youth CD rates are at 6.00%, 1 Year Youth CD rates are at 5.50%, 2 Year Youth CD rates are at 5.00%. Cornerstone Community Federal Credit Union's savings rates are at 2.50%. Cornerstone Community Federal Credit Union's money market rates are at 0.05%. Cornerstone Community Federal Credit Union's checking rates are as high as 5.25%. Cornerstone Community Federal Credit Union's Personal Loan Rates are as low as 9.49%. Cornerstone Community Federal Credit Union's Credit Card Rates are at 7.90%. Cornerstone Community Federal Credit Union's CD rates are 90% higher than the MonitorBankRates national average, and it has a B+ health rating. MonitorBankRates evaluates the financial stability of Cornerstone Community Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.18%. Rates last updated and verified on 10/29/2026. Cornerstone Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cornerstone Community Federal Credit Union? Share your experience about Cornerstone Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cornerstone Community Federal Credit Union. Cornerstone Community Federal Credit Union
Transit 6485 S Transit Rd
https://cornerstonecommunityfcu.org Lockport, NY 14094-6331  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Cornerstone Community Federal Credit Union CD Rates
Cornerstone Community Federal Credit Union Savings Rates
Cornerstone Community Federal Credit Union Money Market Rates
Cornerstone Community Federal Credit Union Checking Rates
Cornerstone Community Federal Credit Union Auto Loan Rates
Cornerstone Community Federal Credit Union RV, Boat and Powersport Loan Rates
Cornerstone Community Federal Credit Union Credit Card Rates
Cornerstone Community Federal Credit Union Personal Loan Rates
Cornerstone Community Federal Credit Union Other Rates
Financial Health HistoryCornerstone Community Federal Credit Union’s Texas Ratio rose from 2.03% in Q3 2023 to 17.18% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cornerstone Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cornerstone Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cornerstone Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cornerstone Community Federal Credit Union
Address
6485 S Transit Rd,
Lockport, NY 14094-6331
Phone
716-434-2290
Fax
716-434-8297
President
David Nemi
CEO
Eric Hepkins
Full-Time Employees
169
Part-Time Employees
1
Branch Locations
7
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (90/100)
Texas Ratio
17.18%
Return on Assets (ROA)
0.2925%
Return on Equity (ROE)
3.8413%
Non-Performing Loans Ratio (NPL)
2.04%
Total Assets
730,161,907
Total Amount of Shares and Deposits
671,911,588
Total Shares and Deposits < 1 Year
620,081,109
Total Shares and Deposits 1 3 Years
41,439,387
Total Shares and Deposits > 3 Years
10,391,092
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,213,731
Total Uninsured Shares and Deposits > $250K (F+J)
33,213,731
Total Insured Shares and Deposits > $250K (item 17 less item K)
638,697,857
Total Interest Expense (Sum of items 6 8)
3,849,850
Share Certificates
2,739
Number of Accounts for Share Drafts
27,009
IRA KEOGH Accounts
1,461
Number of Accounts for Regular Shares
55,155
All other shares
60
Non Member Deposits
52
Money Market Shares
1,373
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,779,411
Total Liabilities
687,458,460
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Cornerstone Community Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cornerstone Community Federal Credit Union
Frequently Asked Questions About Cornerstone Community Federal Credit UnionDoes Cornerstone Community Federal Credit Union offer CDs?Yes. Cornerstone Community Federal Credit Union current CD rates include its 6 Month Youth CD at 6.00% APY, its 1 Year Youth CD at 5.50% APY and its 2 Year Youth CD at 5.00% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Cornerstone Community Federal Credit Union NCUA insured?Yes. Cornerstone Community Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Cornerstone Community Federal Credit Union?The highest Cornerstone Community Federal Credit Union CD rate is its 6 Month Youth CD at 6.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Cornerstone Community Federal Credit Union offer?Cornerstone Community Federal Credit Union CD rates are 6.00% APY for a 6 month CD, 5.50% APY for a 12 month CD and 5.00% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Cornerstone Community Federal Credit Union for its full lineup. What is the highest savings rate at Cornerstone Community Federal Credit Union?The highest Cornerstone Community Federal Credit Union savings rate is its Junior Savings at 2.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Cornerstone Community Federal Credit Union?The highest Cornerstone Community Federal Credit Union money market rate is its Premium Money Market++ at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Cornerstone Community Federal Credit Union?The highest Cornerstone Community Federal Credit Union checking rate is its Community Checking at 5.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Cornerstone Community Federal Credit Union?The lowest Cornerstone Community Federal Credit Union auto loan rate is its Auto Loan at 5.04% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Cornerstone Community Federal Credit Union?The lowest Cornerstone Community Federal Credit Union personal loan rate is its Unsecured Loans at 9.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Cornerstone Community Federal Credit Union?The lowest Cornerstone Community Federal Credit Union credit card APR is its VISA Platinum Credit Card at 7.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Cornerstone Community Federal Credit Union operate?Cornerstone Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Cornerstone Community Federal Credit Union?Yes, to access services at Cornerstone Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Cornerstone Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cornerstone Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cornerstone Community Federal Credit Union offer online and mobile banking?Most modern institutions like Cornerstone Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://cornerstonecommunityfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Cornerstone Community Federal Credit Union rates compare?Cornerstone Community Federal Credit Union's CD rates are 90% higher than the MonitorBankRates national average, and it has a B+ health rating. Cornerstone Community Federal Credit Union's top rates are its 6 Month Youth CD at 6.00% APY, its Junior Savings at 2.50% APY, its Premium Money Market++ at 0.05% APY, its Community Checking at 5.25% APY, its Unsecured Loans at 9.49% APR and its VISA Platinum Credit Card at 7.90% APR, verified by MonitorBankRates on October 29, 2026. Current Cornerstone Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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