Cornerstone Bank (MA)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

cornerstonebank.com

833-225-1218

230 Park Avenue
Worcester, MA 01609-1918

Cornerstone Bank (MA) is headquartered in SPENCER and is the 33^rd largest bank in the state of Massachusetts. It is also the 675^th largest bank in the nation. It was established in 1871 and as of March of 2025, it had grown to 187 employees at 11 locations. Cornerstone Bank (MA)'s money market rates are 8X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	90282
Year Established	1871
Employees	187
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.38%
Return on Equity - YTD	4.26%
Annual Interest Income	$18.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.71B$1.6B
Loans	Q1 2025vs Q1 2024	$1.35B$1.31B
Deposits	Q1 2025vs Q1 2024	$1.35B$1.3B
Equity Capital	Q1 2025vs Q1 2024	$151.3MM$123MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$11.5MM$11.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.5MM$2.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cornerstone Bank (MA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	$0	$500	Moola Savings
OTHER TIERS: 0.05% → $500+
0.05%	$10	-	Statement Savings

Cornerstone Bank (MA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%^*	$350k^*	-	Premier Money Market
OTHER TIERS: 0.50% → $1k - $10k \| 2.50% → $10k - $50k \| 3.00% → $50k - $350k
0.10%^*	$5k^*	-	Personal Money Market
OTHER TIERS: 0.05% → $0 - $5k

Cornerstone Bank (MA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$10	-	RITE Premium Checking

Cornerstone Bank (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.90%	$0	-	6 Month CD
3.65%	$0	-	8 Month CD
3.50%	$0	-	12 Month CD
3.50%	$0	-	18 Month CD
3.00%	$0	-	24 Month CD

Cornerstone Bank (MA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$0	-	12 Month IRA
3.50%	$0	-	18 Month IRA
3.00%	$0	-	24 Month IRA
1.00%	$0	-	6 Month IRA
1.00%	$0	-	8 Month IRA
0.25%	$0	-	IRA Savings

Locations

Availability

Boston Area

Boston Area bank & credit union details

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