Cornerstone Community Federal Credit Union

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Overview / Commentary

cornerstonecommunityfcu.org

716-434-2290

6485 S Transit Rd
Lockport, NY 14094

Cornerstone Community Federal Credit Union is headquartered in Lockport and is the 30^th largest credit union in the state of New York. It is also the 638^th largest credit union in the nation. It was established in 1957 and as of June of 2024, it had grown to 142 employees and 43,148 members at 6 locations. Cornerstone Community Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Cornerstone Community Federal Credit Union is open to anyone who lives, works, worships, or attends school in Erie or Niagara County, New York. Immediate family members of a current Cornerstone Community Federal Credit Union member also qualify for membership.
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Related Posts

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2006

10/19 - 5.90% 6-Month CD at a New York CU (Cornerstone)

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	11723
Year Chartered	1957
Employees	142
Primary Regulator

Profit Margin
Return on Assets - YTD	0.5%
Return on Equity - YTD	10.6%
Annual Interest Income	$13MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$632.6MM$582.7MM
Loans	Q2 2024vs Q2 2023	$409.2MM$350.5MM
Deposits	Q2 2024vs Q2 2023	$587.1MM$543.5MM
Equity Capital	Q2 2024vs Q2 2023	$29.8MM$23.1MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$2.7MM$2.2MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.1MM$727K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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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 Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%	$1k	-	Community Savings
0.10%	$50	-	IRA Account
0.01%	$50	-	Regular Share
0.01%	$50	-	Sub Account
0.01%	$50	-	Christmas Club
0.01%	$50	-	Vacation Club
0.01%	$50	-	HSA

Cornerstone Community Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$25k	-	Premium Money Market - New Money
0.03%	$2.5k	-	Money Market

Cornerstone Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.25%^*	$0	$10k	Community Checking
OTHER TIERS: 0.01% → $10k+

Cornerstone Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.50%	$500	-	18 Month Share Certificate
4.50%	$50	-	18 Month Youth Share Certificate
4.25%	$500	-	1 Year Share Certificate
4.25%	$50	-	1 Year Youth Share Certificate
4.00%	$500	-	6 Month Share Certificate
4.00%	$500	-	9 Month Share Certificate
4.00%	$500	-	13 Month Share Certificate
4.00%	$500	-	15 Month Share Certificate
4.00%	$50	-	6 Month Youth Share Certificate
4.00%	$50	-	9 Month Youth Share Certificate
4.00%	$50	-	13 Month Youth Share Certificate
4.00%	$50	-	15 Month Youth Share Certificate
3.75%	$500	-	24 Months Share Certificate Special
3.75%	$500	-	36 Months Share Certificate Special
3.75%	$50	-	24 Months Youth Share Certificate Special
3.75%	$50	-	36 Months Youth Share Certificate Special
3.75%	$500	-	4 Year Share Certificate Special
3.75%	$50	-	4 Year Youth Share Certificate Special
3.50%	$500	-	5 Year Share Certificate
3.50%	$50	-	5 Year Youth Share Certificate
0.15%	$500	-	91 Day Share Certificate
0.15%	$50	-	91 Day Youth Share Certificate

Cornerstone Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.00%	$500	-	3 Year IRA
3.75%	$500	-	18 Month IRA
3.75%	$500	-	2 Year IRA
2.00%	$500	-	4 Year IRA
1.75%	$500	-	5 Year IRA
1.00%	$500	-	1 Year IRA
0.50%	$500	-	6 Month IRA
0.20%	$500	-	91 Day IRA

Locations

Cornerstone Community Federal Credit Union Locations
Branch Office	5 State St	Middleport, NY 14105-1105
Branch Office	107 Main St	North Tonawanda, NY 14120-5309
Branch Office	6485 S Transit Rd	Lockport, NY 14094-6331
Branch Office	4225 Witmer Rd	Niagara Falls, NY 14305
Branch Office	315 Stahl Rd	Getzville, NY 14068
Branch Office	5810 S Transit Rd	Lockport, NY 14094

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