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Cornerstone Bank (MA)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.25%3-year CD38 Month CD
2.55% - Synchrony Bank 36 Month CDAdvertisement
2.00%2-year CD22 Month CD
2.45% - Synchrony Bank 24 Month CDAdvertisement
2.25%3-year IRA38 Month IRA
1.35% - National Average
View all Cornerstone Bank (MA) rates »

Overview / Commentary
cornerstonebank.com
508-421-8070
230 Park Avenue
Worcester, MA 01609-1918

Cornerstone Bank (MA) is headquartered in Spencer and is the 36th largest bank in the state of Massachusetts. It is also the 680th largest bank in the nation. It was established in 1871 and as of December of 2017, it had grown to 190 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.

Related Posts

Competitive Rates On 8,15, 22, 39 And 47 Month Cds - 4/11/2018

Type Annual Percentage Yield (APY) 8 Month Certificate 1.75% 15 Month Certificate 2.25% 22 Month Certificate 2.50% 39 Month Certificate 2.75% 47 Month Certificate 2.75% 57 Month Certificate 2.75% https://cornerstonebank.com/current-rates/deposit-rates/certificates-of-deposit/ Please note: With fixed-rate term accounts, rates are guaranteed for length of term. A Penalty will be imposed for early withdrawal. Early withdrawal penalties may reduce earnings. CDs that auto-renew with balances less than $500.00 will not earn interest.

Cornerstone Bank (MA) Offers 38-month CD - 3/13/2018

Cornerstone Bank (MA) has raised the rates on its 22-month CD (2.50% APY) and 38-month CD (2.75% APY) by 100 bps. Minimum deposit is $500, with no balance cap.

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Health
A

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #90282
Year Established1871
Employees190
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.88%
Annual Interest Income$39.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.12B$562.8MM
LoansQ4 2017vs Q4 2016$967.7MM$490.5MM
DepositsQ4 2017vs Q4 2016$875.5MM$422.5MM
Equity CapitalQ4 2017vs Q4 2016$108.0MM$58.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.2MM$3.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.8MM$2.5MM
Real Estate OwnedQ4 2017vs Q4 2016$123.00K$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Competitive Rates On 8,15, 22, 39 And 47 Month Cds

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Type Annual Percentage Yield (APY)

8 Month Certificate 1.75%
15 Month Certificate 2.25%
22 Month Certificate 2.50%
39 Month Certificate 2.75%
47 Month Certificate 2.75%
57 Month Certificate 2.75%

https://cornerstonebank.com/current-rates/deposit-rates/certificates-of-deposit/

Please note: With fixed-rate term accounts, rates are guaranteed for length of term.
A Penalty will be imposed for early withdrawal. Early withdrawal penalties may reduce earnings. CDs that auto-renew with balances less than $500.00 will not earn interest.
3

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
2.25%--38 Month CD
2.25%--47 Month CD
2.25%--57 Month CD
2.00%--22 Month CD
1.75%--15 Month CD
1.25%--8 Month CD
0.75%--18 Month CD
0.75%--24 Month CD
0.75%--36 Month CD
0.75%--30 Month CD
0.75%--48 Month CD
0.75%--60 Month CD
0.25%--6 Month CD
0.25%--12 Month CD

Cornerstone Bank (MA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%--38 Month IRA
2.25%--47 Month IRA
2.25%--57 Month IRA
2.00%--22 Month IRA
1.75%--15 Month IRA
1.25%--8 Month IRA
0.75%--18 Month IRA
0.75%--36 Month IRA
0.75%--24 Month IRA
0.75%--30 Month IRA
0.75%--48 Month IRA
0.75%--60 Month IRA
0.25%--12 Month IRA
0.25%--6 Month IRA
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