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  2. Cornerstone Bank (MA)

Cornerstone Bank (MA)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.00%Reward CheckingKasasa Cash
1.84% - National Average
0.75%Reward SavingsKasasa Saver with Cash Back
0.81% - National Average
0.75%5-year CD60 Month CD
2.25% - Bank of Internet USA 60 Month CD
View all Cornerstone Bank (MA) rates »

Overview / Commentary
cornerstonebank.com
800-547-2885
176 Main Street
Spencer, MA 01562

Cornerstone Bank (MA) is headquartered in Spencer and is the 35th largest bank in the state of Massachusetts. It is also the 659th largest bank in the nation. It was established in 1871 and as of June of 2017, it had grown to 187 employees at 15 locations. Cornerstone Bank (MA)'s money market rates are 59% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #90282
Year Established1871
Employees187
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.96%
Annual Interest Income$19.9MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.13B$559.5MM
LoansQ2 2017vs Q2 2016$973.9MM$459.4MM
DepositsQ2 2017vs Q2 2016$882.6MM$427.7MM
Equity CapitalQ2 2017vs Q2 2016$105.3MM$57.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$4.2MM$3.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$4.2MM$4.2MM
Real Estate OwnedQ2 2017vs Q2 2016$253.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$500Moola Savings
OTHER TIERS: 0.05% → $500+
0.75%*-$50kKasasa Saver
OTHER TIERS: 0.25% → $50k+
0.75%*-$50kKasasa Saver with Cash Back
OTHER TIERS: 0.25% → $50k+
0.25%--IRA Savings
0.25%--Commercial Statement Savings
0.05%--Statement Savings
0.05%--Holiday Savings Plan

Cornerstone Bank (MA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$750k*-Business Money Market
OTHER TIERS: 0.25% → Up to $50k | 0.45% → $50k - $250k | 0.55% → $250k - $500k | 0.60% → $500k - $750k
0.70%*$500k*-Signature Money Market Account
OTHER TIERS: 0.15% → $1k - $10k | 0.20% → $10k - $50k | 0.35% → $50k - $150k | 0.45% → $150k - $350k | 0.55% → $350k - $500k
0.25%*$5k*-Personal Money Market
OTHER TIERS: 0.05% → Up to $5k

Cornerstone Bank (MA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$25kKasasa Cash
OTHER TIERS: 0.25% → $25k+
0.10%--Classic Checking
0.10%--Relationship Plus Checking

Cornerstone Bank (MA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-47 Month CD
2.00%$500-57 Month CD
1.75%$500-38 Month CD
1.50%$500-22 Month CD
1.25%$500-15 Month CD
0.75%$500-18 Month CD
0.75%$500-24 Month CD
0.75%$500-36 Month CD
0.75%$500-8 Month CD
0.75%$500-30 Month CD
0.75%$500-48 Month CD
0.75%$500-60 Month CD
0.25%$500-6 Month CD
0.25%$500-12 Month CD

Cornerstone Bank (MA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-47 Month IRA
2.00%$500-57 Month IRA
1.75%$500-38 Month IRA
1.50%$500-22 Month IRA
1.25%$500-15 Month IRA
0.75%$500-18 Month IRA
0.75%$500-36 Month IRA
0.75%$500-8 Month IRA
0.75%$500-24 Month IRA
0.75%$500-30 Month IRA
0.75%$500-48 Month IRA
0.75%$500-60 Month IRA
0.25%$500-12 Month IRA
0.25%$500-6 Month IRA
Locations

Availability