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Cornerstone State Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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 7, 2026

Cornerstone State Bank's top rates as of October 7, 2026 are 4.55% APY on its 36-48-Months IRA 36-48-Month C.D. CD, 1.51% APY on savings, 1.76% APY on money market accounts, and 1.41% APY on checking, according to rates verified by MonitorBankRates. Other Cornerstone State Bank CD rates include 36-48-Months IRA 36-48-Month C.D. at 4.04%, 36-48-Months IRA 36-48-Month C.D. at 3.53%, and 3-Months 3-Month C.D. at 3.39%. MonitorBankRates evaluates the financial stability of Cornerstone State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.12%. Rates last updated and verified on 10/07/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.12%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Cornerstone State Bank
401 4th St Nw
Montgomery, MN 56069
https://cornerstonestatebank.com
MemberFDIC
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cornerstone State Bank CD Rates

Product Rate APY Term View More
IRA 36-48 month C.D. 4.50% 4.55% 36-48 months
Min Deposit $500
Details Balance: $75,000 to $199,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 7, 2026: 4.55% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
IRA 36-48 month C.D. 4.00% 4.04% 36-48 months
Min Deposit $500
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 7, 2026: 4.04% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
IRA 36-48 month C.D. 3.50% 3.53% 36-48 months
Min Deposit $500
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.53% APY
3.03%3.53%4.03%Oct 7, 2026: 3.53% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
3 Month C.D. 3.35% 3.39% 3 months
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
12 - 23 Month C.D. 3.35% 3.38% 12-23 months
Min Deposit $1,000
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.38% APY
2.88%3.38%3.88%Oct 7, 2026: 3.38% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
6 Month C.D. 3.35% 3.38% 6 Month
Min Deposit $1,000
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 3.38% APY · checked 2 times
2.88%3.38%3.88%Sep 14, 2026: 3.38% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
24 - 35 Month C.D. 3.00% 3.02% 24-35 months
Min Deposit $500
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.02% APY
2.52%3.02%3.52%Oct 7, 2026: 3.02% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
36 - 48 Month C.D. 3.00% 3.02% 36-48 months
Min Deposit $500
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.02% APY
2.52%3.02%3.52%Oct 7, 2026: 3.02% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
60 Month C.D. 3.00% 3.02% 60 Month
Min Deposit $500
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
1 change since Sep 14, 2026 · 2.77% → 3.02% ▲ 0.25 pts · high 3.02% / low 2.77%
2.27%2.90%3.52%Sep 14, 2026: 2.77% APYOct 7, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.02%▲ from 2.77%
  • Sep 14, 20262.77%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
36 - 48 Month C.D. 2.75% 2.77% 36-48 months
Min Deposit $500
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.77% APY
2.27%2.77%3.27%Oct 7, 2026: 2.77% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
60 Month C.D. 2.75% 2.77% 60 Month
Min Deposit $500
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 2 times
2.27%2.77%3.27%Sep 14, 2026: 2.77% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
24 - 35 Month C.D. 2.50% 2.52% 24-35 months
Min Deposit $500
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%

Cornerstone State Bank Savings Rates

Product Rate APY View More
CornerStone HSA/IRA Savings 1.50% 1.51%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone HSA/IRA Savings 1.50% 1.51%
Min Deposit $50
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone HSA/IRA Savings 1.50% 1.51%
Min Deposit $50
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings 1.40% 1.41%
Min Deposit $2,500
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 7 times
0.91%1.41%1.91%Sep 14, 2026: 1.41% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Minor Savings 1.30% 1.31%
Min Deposit $50
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Savings 1.30% 1.31%
Min Deposit $50
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings 1.20% 1.21%
Min Deposit $2,500
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 14, 2026: 1.21% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings 1.10% 1.11%
Min Deposit $2,500
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 7 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Minor Savings 1.10% 1.11%
Min Deposit $50
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 7 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Savings 1.10% 1.11%
Min Deposit $50
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 7 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Christmas Club Savings 1.00% 1.00%
Min Deposit $5
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings 1.00% 1.00%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone HSA/IRA Savings 1.00% 1.00%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Minor Savings 0.90% 0.90%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Savings 0.90% 0.90%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Minor Savings 0.75% 0.75%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Savings 0.75% 0.75%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%

Cornerstone State Bank Business Savings Rates

Product Rate APY View More
CornerStone Business Savings 1.30% 1.31%
Min Deposit $100
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Business Savings 1.10% 1.11%
Min Deposit $100
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 7 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Business Savings 0.90% 0.90%
Min Deposit $100
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Business Savings 0.75% 0.75%
Min Deposit $100
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%

Cornerstone State Bank Money Market Rates

Product Rate APY View More
CornerStone Gold/VIP Money Market 1.75% 1.76%
Min Deposit $15,000
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 7 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Public Money Market 1.75% 1.76%
Min Deposit $1,000
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 7 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Money Market 1.70% 1.71%
Min Deposit $1,000
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.71% APY · checked 7 times
1.21%1.71%2.21%Sep 14, 2026: 1.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Money Market 1.60% 1.61%
Min Deposit $15,000
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.61% APY · checked 7 times
1.11%1.61%2.11%Sep 14, 2026: 1.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Money Market 1.50% 1.51%
Min Deposit $1,000
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Public Money Market 1.50% 1.51%
Min Deposit $1,000
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Money Market 1.30% 1.31%
Min Deposit $15,000
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Money Market 1.20% 1.21%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 14, 2026: 1.21% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Public Money Market 1.20% 1.21%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 14, 2026: 1.21% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Money Market 1.15% 1.16%
Min Deposit $15,000
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.16% APY · checked 7 times
0.66%1.16%1.66%Sep 14, 2026: 1.16% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Personal Money Market 1.05% 1.06%
Min Deposit $1,000
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 7 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Public Money Market 1.05% 1.06%
Min Deposit $1,000
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 7 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%

Cornerstone State Bank Business Money Market Rates

Product Rate APY View More
CornerStone Business Money Market 1.70% 1.71%
Min Deposit $1,000
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.71% APY · checked 7 times
1.21%1.71%2.21%Sep 14, 2026: 1.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Business Money Market 1.50% 1.51%
Min Deposit $1,000
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Business Money Market 1.20% 1.21%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 14, 2026: 1.21% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Business Money Market 1.05% 1.06%
Min Deposit $1,000
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 7 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%

Cornerstone State Bank Checking Rates

Product Rate APY View More
CornerStone Non-Profit Checking-Int@>599 1.40% 1.41%
Min Deposit $100
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 7 times
0.91%1.41%1.91%Sep 14, 2026: 1.41% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Non-Profit Checking-Int@>599 1.25% 1.26%
Min Deposit $100
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Non-Profit Checking-Int@>599 1.10% 1.11%
Min Deposit $100
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 7 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599 1.00% 1.01%
Min Deposit $500
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 7 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gems Checking 1.00% 1.01%
Min Deposit $500
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 7 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking 1.00% 1.01%
Min Deposit $15,000
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 7 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100 1.00% 1.01%
Min Deposit $50
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 7 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Non-Profit Checking-Int@>599 1.00% 1.00%
Min Deposit $100
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599 0.75% 0.75%
Min Deposit $500
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gems Checking 0.75% 0.75%
Min Deposit $500
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking 0.75% 0.75%
Min Deposit $15,000
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100 0.75% 0.75%
Min Deposit $50
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599 0.50% 0.50%
Min Deposit $500
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599 0.50% 0.50%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gems Checking 0.50% 0.50%
Min Deposit $500
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gems Checking 0.50% 0.50%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking 0.50% 0.50%
Min Deposit $15,000
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking 0.50% 0.50%
Min Deposit $15,000
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100 0.50% 0.50%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100 0.50% 0.50%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%

Cornerstone State Bank Business Checking Rates

Product Rate APY View More
CornerStone Regular Business Checking 0.80% 0.80%
Min Deposit $0
Min Balance $150,000
Details Balance: $150,000+
Last Updated 10/07/2026
Rate History
1 change since Sep 14, 2026 · 1.01% → 0.80% ▼ 0.21 pts · high 1.01% / low 0.80%
0.30%0.91%1.51%Sep 14, 2026: 1.01% APYOct 7, 2026: 0.80% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20260.80%▼ from 1.01%
  • Sep 14, 20261.01%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Regular Business Checking 0.60% 0.60%
Min Deposit $0
Min Balance $75,000
Details Balance: $75,000 to $149,999.99
Last Updated 10/07/2026
Rate History
1 change since Sep 14, 2026 · 0.75% → 0.60% ▼ 0.15 pts · high 0.75% / low 0.60%
0.10%0.68%1.25%Sep 14, 2026: 0.75% APYOct 7, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20260.60%▼ from 0.75%
  • Sep 14, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Regular Business Checking 0.50% 0.50%
Min Deposit $0
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
CornerStone Regular Business Checking 0.50% 0.50%
Min Deposit $0
Min Balance $25,000
Details Balance: $25,000 to $74,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.12%
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.
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Financial Health History

Cornerstone State Bank’s Texas Ratio rose from 0.88% in Q3 2023 to 6.12% 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 2.3 to 5.0 and its Health Grade from C- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 0.88% C- Q3 2023 A- Q4 2023 B+ Q1 2024 B+ Q2 2024 A+ Q3 2024 B Q4 2024 B+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 6.12% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$247M6.12%5.0A
March 31, 2026$243M4.06%5.0A+
December 31, 2025$242M3.91%5.0A+
September 30, 2025$233M3.65%5.0A+
June 30, 2025$235M3.99%4.9A+
March 31, 2025$234M9.57%4.4B+
December 31, 2024$237M9.20%4.1B
September 30, 2024$232M1.04%4.9A+
June 30, 2024$226M0.88%3.8B+
March 31, 2024$227M0.23%3.8B+
December 31, 2023$228M1.21%4.3A-
September 30, 2023$221M0.88%2.3C-
Source: FDIC 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 State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cornerstone State Bank 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 State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cornerstone State Bank
Bank Holding Company CORNERSTONE BCORP INC
Address 401 4th St Nw, Montgomery, MN 56069  ·  Le Sueur
Website https://cornerstonestatebank.com
FDIC Certificate # 21525
Established 19740408
FDIC Insurance Date 19740408
Domestic Offices 7
Total Branches 7
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
6.12%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.4893%
Return on Equity (ROE) 18.9400%
Non-Performing Loans (NPL) 0.49%
Total Assets $246,958,000
Total Deposits $223,948,000
Equity Capital $19,950,000
Net Income $1,817,000
Headquarters Montgomery
Total Branches and Offices 7
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Cornerstone State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/cornerstone-state-bank-rates-review-21525">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Cornerstone State Bank yet. Feel free to create one below.
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☆☆☆☆☆
Total Reviews
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Frequently Asked Questions About Cornerstone State Bank

How many branches does Cornerstone State Bank operate?

Cornerstone State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cornerstone State Bank 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 State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cornerstone State Bank offer online and mobile banking?

Most modern institutions like Cornerstone State Bank 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://cornerstonestatebank.com.

Current Cornerstone State Bank Rates

  • 24-Month CD3.38%
  • 36-Month CD2.52%
  • 48-Month CD2.77%
  • 60-Month CD2.77%
  • Savings1.51%
  • MMA1.76%
Retrieved from our database of financial products. Rates subject to change.

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