What are the current interest rates at The Corner Stone Bank?

Current rates for The Corner Stone Bank include: 12-Month CD: 3.95%, 18-Month CD: 3.85%, 24-Month CD: 3.85%, 36-Month CD: 3.55%, 48-Month CD: 3.45%, 60-Month CD: 3.25%, Savings: 0.60%

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The Corner Stone Bank

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The Corner Stone Bank Rates & Review September 2026

Q: How many branches does The Corner Stone Bank operate?

The Corner Stone Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, The Corner Stone 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Corner Stone Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

The Corner Stone Bank's 6-Months CD 6-Month rates are at 4.00%, 12-Months CD 12-Month rates are at 3.95%, 18-Months CD 18-Month rates are at 3.85%, 24-Months CD 24-Month rates are at 3.85%, 30-Months CD 30-Month rates are at 3.75%. The Corner Stone Bank's savings rates are at 0.60%. MonitorBankRates evaluates the financial stability of The Corner Stone Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.72%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.72%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

The Corner Stone Bank

117 N Main St
South West City, MO 64863

https://www.thecornerstonebank.net

The Corner Stone Bank CD Rates

Product	Rate	APY	Term
CD 6 month	3.93%	4.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 12 month	3.88%	3.95%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 18 month	3.78%	3.85%	18 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 24 month	3.78%	3.85%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 30 month	3.69%	3.75%	30 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 36 month	3.49%	3.55%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 48 month	3.40%	3.45%	48 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
CD 60 month	3.20%	3.25%	60 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%

The Corner Stone Bank Savings Rates

Product	Rate	APY
Christmas Club	0.70%	0.70%
Min Deposit $5 Min Balance $5 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Regular Savings	0.60%	0.60%
Min Deposit $50 Min Balance $50 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Special Student Savings	0.60%	0.60%
Min Deposit $10 Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%

The Corner Stone Bank Other Rates

Product	Rate	Points	APY/APR
Add to CD	3.88%	-	3.95%
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Educational IRAs	1.25%	-	1.25%
Min Deposit $100 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Kasasa Cash Checking	0.60%	-	1.08%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: 12 debit card purchases of $5.00 or more; enrolled in and log into online banking; enrolled in and agree to receive e-statements; Balances over $25,000.00 earn an interest rate of 0.60% on the portion of the average daily balance over $25,000.00, resulting in a range from 3.00% to 1.08% APY depending on the account's average daily balance; ATM withdrawal fee reimbursements, nationwide (up to $25 monthly); Linked to free Kasasa Saver to build savings automatically; No monthly maintenance fees; Free Online and Mobile Banking; Free Mastercard debit card / ATM card Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Kasasa Cash Checking	-	-	3.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 12 debit card purchases of $5.00 or more; enrolled in and log into online banking; enrolled in and agree to receive e-statements; Balance: up to $24,999.99; ATM withdrawal fee reimbursements, nationwide (up to $25 monthly); Linked to free Kasasa Saver to build savings automatically; No monthly maintenance fees; Free Online and Mobile Banking; Free Mastercard debit card / ATM card Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Kasasa Cash Checking	-	-	0.05%
Min Deposit $100 Details If qualifications aren't met; ATM withdrawal fee reimbursements, nationwide (up to $25 monthly); Linked to free Kasasa Saver to build savings automatically; No monthly maintenance fees; Free Online and Mobile Banking; Free Mastercard debit card / ATM card Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
NOW Accounts	0.75%	-	0.75%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%
Regular IRAs	4.75%	-	4.75%
Min Deposit $100 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.72%

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

The Corner Stone Bank’s Texas Ratio fell from 13.24% in Q3 2023 to 11.72% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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.

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	$211M	11.72%	5.0	A
March 31, 2026	$207M	18.49%	4.7	B+
December 31, 2025	$203M	8.81%	5.0	A
September 30, 2025	$199M	9.36%	5.0	A
June 30, 2025	$198M	10.80%	5.0	A
March 31, 2025	$193M	10.60%	5.0	A
December 31, 2024	$189M	10.15%	5.0	A
September 30, 2024	$190M	10.03%	5.0	A
June 30, 2024	$193M	11.17%	5.0	A
March 31, 2024	$186M	13.82%	5.0	A
December 31, 2023	$180M	10.63%	5.0	A
September 30, 2023	$180M	13.24%	5.0	A

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 The Corner Stone 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 The Corner Stone 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 The Corner Stone Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Corner Stone Bank

FDIC Certificate # 9388

Address 117 N Main St, South West City, MO 64863 · Mcdonald

Website https://www.thecornerstonebank.net

Established 18980101

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5307%

Return on Equity (ROE) 12.7800%

Non-Performing Loans (NPL) 1.39%

Total Assets $211,448,000

Total Deposits $183,387,000

Equity Capital $25,274,000

Net Income $1,584,000

Headquarters South West City

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Corner Stone Bank 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.

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 — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About The Corner Stone Bank

How many branches does The Corner Stone Bank operate?

The Corner Stone Bank currently maintains approximately 5 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, The Corner Stone 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, The Corner Stone Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Corner Stone Bank offer online and mobile banking?

Most modern institutions like The Corner Stone 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://www.thecornerstonebank.net.