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Cornerstone Credit Union Rates & Review November 2026

Q: What are the current interest rates at Cornerstone Credit Union?

Current rates for Cornerstone Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 4.40%, 60-Month CD: 1.85%, Savings: 0.10%, MMA: 2.75%

Q: What CD terms does Cornerstone Credit Union offer?

Cornerstone Credit Union CD rates are 4.25% APY for an 11 month CD, 3.50% APY for a 12 month CD, 4.40% APY for a 2 year CD and 1.85% APY for a 5 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 Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Cornerstone Credit Union's 24 Month Personal CD & IRA CD rates are at 4.40%, Personal CD & IRA CD - 24-Month rates are at 4.40%, 11 Month Personal CD & IRA CD rates are at 4.25%, Personal CD & IRA CD - 12-Month rates are at 3.70%, 12 Month Personal CD & IRA CD rates are at 3.50%. Cornerstone Credit Union's savings rates are at 0.10%. Cornerstone Credit Union's money market rates are at 2.75%. Cornerstone Credit Union's checking rates are as high as 0.15%. Cornerstone Credit Union's Personal Loan Rates are as low as 14.50%. Cornerstone Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Cornerstone Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.59%. Rates last updated and verified on 10/29/2026.

Cornerstone 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 Credit Union? Share your experience about Cornerstone Credit Union by leaving a review below, or read customer reviews before you decide to use Cornerstone Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.59%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Cornerstone Credit Union
Cornerstone Credit Union

550 W Meadows Dr
Freeport, IL 61032-7610

https://www.cornerstonecu.org

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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 Credit Union CD Rates

Product	Rate	APY	Term
24 Month Personal CD & IRA CD	-	4.40%	24-Month
Min Deposit $1,000 Details Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70% Oct 9, 20264.40%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 24-Month	-	4.40%	24-Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00+; dividends compounded daily and paid quarterly; penalty for early withdrawal on original deposit amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 24-Month	-	4.40%	24-Month
Min Deposit $20,000 Details $20,000+ tier Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
11 Month Personal CD & IRA CD	-	4.25%	11-Month
Min Deposit $1,000 Details Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 12-Month	-	3.70%	12-Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00+; dividends compounded daily and paid quarterly; penalty for early withdrawal on original deposit amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 12-Month	-	3.60%	12-Month
Min Deposit $20,000 Details $20,000+ tier Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 3.70% → 3.60% ▼ 0.10 pts · high 3.70% / low 3.60% Oct 26, 20263.60%▼ from 3.70% Oct 19, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
12 Month Personal CD & IRA CD	-	3.50%	12-Month
Min Deposit $1,000 Details Balance tier: $1,000+; Unless otherwise paid, dividends compounded daily and paid quarterly; Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50% Oct 9, 20263.50%▼ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 36-Month	-	2.20%	36-Month
Min Deposit $20,000 Details $20,000+ tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
36 Month Personal CD & IRA CD	-	2.00%	36-Month
Min Deposit $1,000 Details Balance tier: $1,000+; Unless otherwise paid, dividends compounded daily and paid quarterly; Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.20% → 2.00% ▼ 0.20 pts · high 2.20% / low 2.00% Oct 9, 20262.00%▼ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 180-Day	-	2.00%	180-Day
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00+; Traditional and Roth IRAs; simple interest paid at maturity; penalty for early withdrawal on original deposit amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 60-Month	-	1.95%	60-Month
Min Deposit $20,000 Details $20,000+ tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
60 Month Personal CD & IRA CD	-	1.85%	60-Month
Min Deposit $1,000 Details Balance tier: $1,000+; Unless otherwise paid, dividends compounded daily and paid quarterly; Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85% Oct 9, 20261.85%▼ from 1.95% Sep 14, 20261.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal CD & IRA CD - 48-Month	-	1.85%	48-Month
Min Deposit $20,000 Details $20,000+ tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
48 Month Personal CD & IRA CD	-	1.75%	48-Month
Min Deposit $1,000 Details Balance tier: $1,000+; Unless otherwise paid, dividends compounded daily and paid quarterly; Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.85% → 1.75% ▼ 0.10 pts · high 1.85% / low 1.75% Oct 9, 20261.75%▼ from 1.85% Sep 14, 20261.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
180 Day Personal CD & IRA CD	-	1.58%	180-Day
Min Deposit $1,000 Details Traditional and Roth IRAs; simple interest paid at maturity; Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.58% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
90 Day Personal CD & IRA CD	-	1.00%	90-Day
Min Deposit $1,000 Details Traditional and Roth IRAs; simple interest paid at maturity; Penalty for early withdrawals on original deposit amount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	2.75%
Min Balance $500 Details Balance: $500.01-2,500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Holiday Club	-	2.50%
Min Balance $250 Details Balance: $250.01-500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Holiday Club	-	1.50%
Min Balance $100 Details Balance: $100.01-250 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Holiday Club	-	0.25%
Min Balance $0 Details Balance: $0-100 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
C.U. CA$H Kids Club	-	0.10%
Min Balance $5 Details Youth account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Personal Savings	-	0.10%
Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Secondary Savings	-	0.10%
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union Money Market Rates

Product	Rate	APY
Insured High Yield Money Market	-	2.75%
Min Balance $500,000 Details Balance: $500,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured High Yield Money Market	-	2.50%
Min Balance $250,000 Details Balance: $250,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured High Yield Money Market	-	1.90%
Min Balance $100,000 Details Balance: $100,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
IRA Money Market	-	1.50%
Min Balance $75,000 Details Balance: $75,000.00 and over; Traditional and Roth IRAs; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured Money Market	-	0.95%
Min Balance $75,000 Details Balance: $75,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured High Yield Money Market	-	0.70%
Min Balance $50,000 Details Balance: $50,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
IRA Money Market	-	0.65%
Min Balance $20,000 Details Balance: $20,000.00 - $74,999.99; Traditional and Roth IRAs; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
IRA Money Market	-	0.50%
Min Balance $2,500 Details Balance: $2,500.00 - $19,999.99; Traditional and Roth IRAs; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured Money Market	-	0.40%
Min Balance $20,000 Details Balance: $20,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured High Yield Money Market	-	0.20%
Min Balance $5,000 Details Balance: $5,000.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Insured Money Market	-	0.20%
Min Balance $2,500 Details Balance: $2,500.00 minimum; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
IRA Money Market	-	0.20%
Min Balance $0 Details Balance: $0.01 - $2,499.99; Traditional and Roth IRAs; Three free withdrawals per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union Checking Rates

Product	Rate	APY
Checking Plus	-	0.15%
Min Balance $20,000 Details Balance: $20,000 tier Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Checking Plus	-	0.05%
Min Balance $1,000 Details Balance: $1,000 tier Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 3 Year	-	-	5.50%	3 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	5.50%	3 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 5 Year	-	-	5.75%	5 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 5.75% ▼ 0.50 pts · high 6.25% / low 5.75% Oct 26, 20265.75%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	5.75%	5 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 3 Year	-	-	6.00%	3 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	6.00%	3 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 5 Year	-	-	6.25%	5 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 7 Year	-	-	6.25%	7 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	6.25%	5 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Sep 18, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	6.25%	7 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25% Sep 18, 20266.25%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 7 Year	-	-	6.75%	7 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 26, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	6.75%	7 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 10 Year	-	-	7.00%	10 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	7.00%	10 Year
Details As Low As; LTV: 80%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loan - 10 Year	-	-	7.50%	10 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount: $2,500; Maximum loan amount: $100,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Fixed Rate Home Equity Loans	-	-	7.50%	10 Year
Details As Low As; LTV: 90%; Rate available to highly qualified members; Minimum loan amount $2,500; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Home Equity Line of Credit (HELOC)	-	-	7.50%
Details Loan-to-Value (LTV): 0-80% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 9, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Home Equity Line of Credit (HELOC)	-	-	8.50%
Details Loan-to-Value (LTV): 81-90% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 9, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Cars, Trucks & Vans (2023-2024) Loan	-	-	5.20%	24 Months
Details As Low As; Rate available to highly qualified members; Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2023-2024) Loan	-	-	5.20%	36 Months
Details As Low As; Rate available to highly qualified members; Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan	-	-	5.20%	24-36 Months
Details As Low As; Rate available to highly qualified members; Payment: $659.42 (24 months) to $450.91 (36 months); Payments for 24-36 month terms based on $15,000 loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2023-2024) Loan	-	-	5.74%	48 Months
Details As Low As; Rate available to highly qualified members; Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2023-2024) Loan	-	-	5.74%	60 Months
Details As Low As; Rate available to highly qualified members; Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan	-	-	5.74%	48 Months
Details As Low As; Rate available to highly qualified members; Payment: $233.66; $10,000 minimum amount financed required for 48-66 Month terms Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan	-	-	5.74%	60 Months
Details As Low As; Rate available to highly qualified members; Payment: $192.12; $10,000 minimum amount financed required for 48-66 Month terms Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2023-2024) Loan	-	-	6.24%	66 Months
Details As Low As; Rate available to highly qualified members; Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan	-	-	6.24%	66 Months
Details As Low As; Rate available to highly qualified members; Payment: $179.39; $10,000 minimum amount financed required for 48-66 Month terms Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan	-	-	6.74%	72 Months
Details As Low As; Rate available to highly qualified members; Payment: $253.87; $15,000 minimum amount financed required for 72-Month term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans (2013-2022) Loan	-	-	6.99%	48 Months
Details As Low As; Model Year: 2019-2022; Minimum loan amount: $7500.00; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans - 2019-2022 Loan	-	-	6.99%	48 Months
Details As Low As; Model Year: 2019-2022; Minimum loan amount: $7500.00; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan	-	-	7.00%	84 Months
Details As Low As; Rate available to highly qualified members; Payment: $301.85; $20,000 minimum amount financed required for up to a 84-Month term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans (2013-2022) Loan	-	-	7.00%	48 Months
Details As Low As; Model Year: 2013-2018; Minimum loan amount: $5,000; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans - 2013-2018 Loan	-	-	7.00%	48 Months
Details As Low As; Model Year: 2013-2018; Minimum loan amount: $5,000; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans (2013-2022) Loan	-	-	7.24%	60 Months
Details As Low As; Model Year: 2019-2022; Minimum loan amount: $7500.00; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans - 2019-2022 Loan	-	-	7.24%	60 Months
Details As Low As; Model Year: 2019-2022; Minimum loan amount: $7500.00; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans (2013-2022) Loan	-	-	7.25%	60 Months
Details As Low As; Model Year: 2013-2018; Minimum loan amount: $5,000; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans - 2013-2018 Loan	-	-	7.25%	60 Months
Details As Low As; Model Year: 2013-2018; Minimum loan amount: $5,000; Rate available to highly qualified members; ONLY if loan set up with ACH/Auto Pay and e-Statements; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans (2013-2022) Loan	-	-	7.49%	72 Months
Details As Low As; Model Year: 2019-2022; Minimum loan amount: $7500.00; Rate available to highly qualified members; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Older Model Used Cars, Trucks & Vans - 2019-2022 Loan	-	-	7.49%	72 Months
Details As Low As; Model Year: 2019-2022; Minimum loan amount: $7500.00; Rate available to highly qualified members; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Classic Cars Loan	-	-	14.00%
Details As Low As; Term: Please call for loan advances & terms; Payment $232.68 based on $10,000 loan for 60 months; Rate available to highly qualified members; Other rates and terms may apply; Model Year: 2013 - 2022 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 14.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles, Snowmobiles & Jet Skis (2025, Newer or Untitled) - Up to 60 Months Loan	-	8.75%	Up to 60 Months
Details As Low As; Rate available to highly qualified members; NO Rate Buy Downs; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New Motorcycles, Snowmobiles & Jet Skis (2025, Newer or Untitled) Loan	-	8.75%	Up to 60 Months
Details As Low As; Rate available to highly qualified members; Payments based on $20,000 loan; Existing loans financed by CCU do not apply; No Rate Buy Downs Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer (2019, Newer, or Untitled) - 240 Months Loan	-	9.00%	240 Months
Details APR ** as low as; Rate available to highly qualified members; Payment: $899.73; Minimum amount financed: $100,000; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer - 240 Months Loan	-	9.00%	240 Months
Details As Low As; Minimum $100,000 financed; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer (2019, Newer, or Untitled) - 120 Months Loan	-	9.24%	120 Months
Details APR ** as low as; Rate available to highly qualified members; Payment: $319.96; Minimum amount financed: $25,001; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer (2019, Newer, or Untitled) - 180 Months Loan	-	9.24%	180 Months
Details APR ** as low as; Rate available to highly qualified members; Payment: $514.31; Minimum amount financed: $50,000; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer (2019, Newer, or Untitled) - 72 Months Loan	-	9.24%	72 Months
Details APR ** as low as; Rate available to highly qualified members; Payment: $90.72; Minimum amount financed: $5,000; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer - 120 Months Loan	-	9.24%	120 Months
Details As Low As; Minimum $25,001 financed; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer - 180 Months Loan	-	9.24%	180 Months
Details As Low As; Minimum $50,000 financed; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New/Used RV, Motorhome, Boat & Travel Trailer - 72 Months Loan	-	9.24%	72 Months
Details As Low As; Minimum $5,000 financed; Existing loans financed by CCU do not apply; NO Rate Buy Downs on these rates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New Motorcycles, Snowmobiles & Jet Skis (2025, Newer or Untitled) - 72 Months Loan	-	9.25%	72 Months
Details As Low As; Rate available to highly qualified members; Minimum loan required for this rate is $20,000; NO Rate Buy Downs; Existing loans financed by CCU do not apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
New Motorcycles, Snowmobiles & Jet Skis (2025, Newer or Untitled) Loan	-	9.25%	72 Months
Details As Low As; Rate available to highly qualified members; Minimum loan required for this rate is $20,000; Payment based on $20,000 loan; Existing loans financed by CCU do not apply; No Rate Buy Downs Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Used Motorcycles, Snowmobiles & Jet Skis Loan	-	10.75%	48 Months
Details As Low As; Model Year: 2018-2024; Payments based on $5,000 loan; Rate available to highly qualified members; Existing loans financed by CCU do not apply; No Rate Buydowns Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%
Classic Motorcycles Loan	-	14.00%
Details As Low As; Term: Please call for loan advances & terms; Rate available to highly qualified members. Other rates and terms may apply. Payments based on $10,000 loan for 60 months. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Cornerstone Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	14.50%	Up to 42 Months
Details As Low As; Rate available to highly qualified members; No Rate Buy Downs on signature loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.59%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Cornerstone Credit Union’s Texas Ratio rose from 1.42% in Q3 2023 to 8.59% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$177M	8.59%	5.0	A
March 31, 2026	$178M	7.29%	5.0	A
December 31, 2025	$169M	10.19%	5.0	A
September 30, 2025	$164M	8.16%	5.0	A
June 30, 2025	$168M	10.64%	5.0	A
March 31, 2025	$172M	1.69%	5.0	A+
December 31, 2024	$164M	3.01%	5.0	A+
September 30, 2024	$154M	2.66%	5.0	A+
June 30, 2024	$153M	2.05%	5.0	A+
March 31, 2024	$152M	3.22%	5.0	A+
December 31, 2023	$143M	0.95%	5.0	A+
September 30, 2023	$148M	1.42%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cornerstone 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cornerstone Credit Union

Website https://www.cornerstonecu.org

Address 550 W Meadows Dr, Freeport, IL 61032-7610

Phone 815-235-5855

Fax 815-235-5970

President Charles Beyer

CEO Gail Clore

Full-Time Employees 33

Part-Time Employees 3

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.59%

Return on Assets (ROA)

0.6793%

Return on Equity (ROE)

6.8162%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

176,597,107

Total Amount of Shares and Deposits

157,229,010

Total Shares and Deposits < 1 Year

150,206,369

Total Shares and Deposits 1 3 Years

5,943,529

Total Shares and Deposits > 3 Years

1,079,113

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,314,077

Total Uninsured Shares and Deposits > $250K (F+J)

8,314,077

Total Insured Shares and Deposits > $250K (item 17 less item K)

148,914,933

Total Interest Expense (Sum of items 6 8)

1,562,297

Share Certificates

960

Number of Accounts for Share Drafts

6,582

IRA KEOGH Accounts

146

Number of Accounts for Regular Shares

13,849

All other shares

192

Money Market Shares

311

Net Income (unless the amount is already included in Undivided Earnings)

1,199,541

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)

19,508,866

Total Liabilities

158,595,724

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Cornerstone Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Cornerstone Credit Union

Does Cornerstone Credit Union offer CDs?

Yes. Cornerstone Credit Union current CD rates include its 24 Month Personal CD & IRA CD at 4.40% APY, its Personal CD & IRA CD - 24-Month at 4.40% APY and its 11 Month Personal CD & IRA CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Cornerstone Credit Union NCUA insured?

Yes. Cornerstone 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 Credit Union?

The highest Cornerstone Credit Union CD rate is its 24 Month Personal CD & IRA CD at 4.40% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Cornerstone Credit Union offer?

Cornerstone Credit Union CD rates are 4.25% APY for an 11 month CD, 3.50% APY for a 12 month CD, 4.40% APY for a 2 year CD and 1.85% APY for a 5 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 Credit Union for its full lineup.

What is the highest savings rate at Cornerstone Credit Union?

The highest Cornerstone Credit Union savings rate is its Personal Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Cornerstone Credit Union?

The highest Cornerstone Credit Union money market rate is its Insured High Yield Money Market at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Cornerstone Credit Union?

The highest Cornerstone Credit Union checking rate is its Checking Plus at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Cornerstone Credit Union?

The lowest Cornerstone Credit Union auto loan rate is its New/Used Cars, Trucks & Vans (2023-2024) Loan at 5.20% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Cornerstone Credit Union?

The lowest Cornerstone Credit Union personal loan rate is its Signature Loan at 14.50% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Cornerstone Credit Union operate?

Cornerstone 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 Credit Union?

Yes, to access services at Cornerstone 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cornerstone Credit Union offer online and mobile banking?

Most modern institutions like Cornerstone 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://www.cornerstonecu.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 Credit Union rates compare?

Cornerstone Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A health rating. Cornerstone Credit Union's top rates are its 24 Month Personal CD & IRA CD at 4.40% APY, its Personal Savings at 0.10% APY, its Insured High Yield Money Market at 2.75% APY, its Checking Plus at 0.15% APY and its Signature Loan at 14.50% APR, verified by MonitorBankRates on October 29, 2026.

Current Cornerstone Credit Union Rates

12-Month CD3.50%
24-Month CD4.40%
60-Month CD1.85%
Savings0.10%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Cornerstone Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cornerstone Credit Union Texas Ratio

Cornerstone Credit Union Health Trend

Cornerstone Credit Union CD Rates

Cornerstone Credit Union Savings Rates

Cornerstone Credit Union Money Market Rates

Cornerstone Credit Union Checking Rates

Cornerstone Credit Union Home Equity & HELOC

Cornerstone Credit Union Auto Loan Rates

Cornerstone Credit Union RV, Boat and Powersport Loan Rates

Cornerstone Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cornerstone Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cornerstone Credit Union

Does Cornerstone Credit Union offer CDs?

Are CDs from Cornerstone Credit Union NCUA insured?

What is the highest CD rate at Cornerstone Credit Union?

What CD terms does Cornerstone Credit Union offer?

What is the highest savings rate at Cornerstone Credit Union?

What is the highest money market rate at Cornerstone Credit Union?

What is the highest checking rate at Cornerstone Credit Union?

What is the lowest auto loan rate at Cornerstone Credit Union?

What is the lowest personal loan rate at Cornerstone Credit Union?

How many branches does Cornerstone Credit Union operate?

Is a member application needed to join Cornerstone Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cornerstone Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Cornerstone Credit Union rates compare?

Current Cornerstone Credit Union Rates

Compare to Other Credit Unions