What are the current interest rates at Mcdowell Cornerstone Credit Union CU?

Current rates for Mcdowell Cornerstone Credit Union CU include: 12-Month CD: 0.18%, 18-Month CD: 0.18%

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Mcdowell Cornerstone Credit Union CU

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Mcdowell Cornerstone Credit Union CU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mcdowell Cornerstone Credit Union CU 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: October 9, 2026

Mcdowell Cornerstone Credit Union CU's top rates as of October 9, 2026 are 3.80% APY on its 6 Month CD, and personal loans from 10.75% APR, according to rates verified by MonitorBankRates. Other Mcdowell Cornerstone Credit Union CU CD rates include 12 Month CD at 0.18%, and 18 Month CD at 0.18%. MonitorBankRates evaluates the financial stability of Mcdowell Cornerstone Credit Union CU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.17%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

8.17%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mcdowell Cornerstone Credit Union CU
MAIN

2031 RUTHERFORD RD
MARION, NC 28752

https://www.mcdowellcornerstone.com

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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.

Mcdowell Cornerstone Credit Union CU CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.80%	3.80%	6 Months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.91% → 3.80% ▼ 0.11 pts · high 3.91% / low 3.80% Oct 9, 20263.80%▼ from 3.91% Sep 18, 20263.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
12 Month Certificate	0.18%	0.18%	12 Months
Min Deposit $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.18% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
18 Month Certificate	0.18%	0.18%	18 Months
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.18% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

Mcdowell Cornerstone Credit Union CU Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

Mcdowell Cornerstone Credit Union CU Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loans	-	-	2.71%
Details Fixed Rates Starting at Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.71% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

Mcdowell Cornerstone Credit Union CU Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loans	10.75%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

Mcdowell Cornerstone Credit Union CU Other Rates

Product	Rate	Points	APY/APR
IRA	0.35%	-	0.35%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Regular Share	0.20%	-	0.20%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

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

Mcdowell Cornerstone Credit Union CU’s Texas Ratio rose from 1.47% in Q3 2023 to 8.17% 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	$38M	8.17%	5.0	A
March 31, 2026	$37M	2.88%	5.0	A+
December 31, 2025	$38M	2.82%	5.0	A+
September 30, 2025	$37M	2.60%	5.0	A+
June 30, 2025	$37M	1.55%	5.0	A+
March 31, 2025	$37M	0.83%	5.0	A+
December 31, 2024	$36M	3.21%	5.0	A+
September 30, 2024	$35M	2.56%	5.0	A+
June 30, 2024	$35M	3.21%	5.0	A+
March 31, 2024	$34M	3.08%	5.0	A+
December 31, 2023	$34M	2.22%	5.0	A+
September 30, 2023	$35M	1.47%	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 Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mcdowell Cornerstone Credit Union CU

Website https://www.mcdowellcornerstone.com

Address 2031 RUTHERFORD RD, MARION, NC 28752

Phone 828-652-4141

Fax 828-652-9343

President LISA MORGAN

CEO SARAH WASHBURN

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

8.17%

Return on Assets (ROA)

0.6533%

Return on Equity (ROE)

3.6868%

Non-Performing Loans Ratio (NPL)

2.53%

Total Assets

38,268,568

Total Amount of Shares and Deposits

30,873,952

Total Shares and Deposits < 1 Year

30,688,298

Total Shares and Deposits 1 3 Years

185,654

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

1,441,999

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

1,441,999

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

29,431,953

Total Interest Expense (Sum of items 6 8)

61,691

Share Certificates

102

Number of Accounts for Share Drafts

1,801

IRA KEOGH Accounts

106

Number of Accounts for Regular Shares

2,963

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

250,017

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)

10,304,996

Total Liabilities

31,487,090

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mcdowell Cornerstone Credit Union CU 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.

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

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Frequently Asked Questions About Mcdowell Cornerstone Credit Union CU

How many branches does Mcdowell Cornerstone Credit Union CU operate?

Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU?

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

Does Mcdowell Cornerstone Credit Union CU offer online and mobile banking?

Most modern institutions like Mcdowell Cornerstone Credit Union CU 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.mcdowellcornerstone.com.