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Cornerstone Community Financial Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.02%Reward CheckingChoice Cash
1.76%5-year CD60 Month Share Certificate
0.60%1-year CD12 Month Share Certificate

Overview / Commentary
248-340-9310
2955 University Dr
Auburn Hills, MI 48326

Cornerstone Community Financial Credit Union is headquartered in Auburn Hills and is the 47th largest credit union in the state of Michigan. It is also the 794th largest credit union in the nation. It was established in 1951 and as of September of 2016, it had grown to 59 employees and 27,709 members at 6 locations. Cornerstone Community Financial Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Cornerstone Community Financial CU of Michigan is open to anyone that does regular business in, business owners, residents, people maintaining employment, church members, and registered students in these Michigan Communities; Genesee, Jackson, Lapeer, Lenawee, Livingston, Macomb, Monroe, Oakland, St Clair, Washtenaw, and Wayne. Membership eligibility also extends to include the family members of CU members.
See current membership details

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Reviews (1)

So many fees

I joined this bank several years ago. At first it was for a specific dollar amount deposit each week into the saving's. It earned some money so I decided to open a checking. That's when the fees really started to happen. Weekly the bank would have a computer error and I would have to call the bank to straiten it out. High fee's for transfers and the loan terms were not good either. Customer service had dropped and I was finally fed up when the bank had to refund me over 50 dollars in fees and a customer service representative had the nerve to call me crazy. I closed the account and actually saved money. The absolute best part is that my local branch was hit by a tornado when the bank was closed , Nobody was hurt and I am glad about it. It's about time mother nature took care of it .



Health
A

Health Grade Components

Overall
NCUA #68641
Year Chartered1951
Employees59
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD4.12%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$278.2MM$253.0MM
LoansQ3 2016vs Q3 2015$249.0MM$219.1MM
DepositsQ3 2016vs Q3 2015$224.8MM$207.8MM
Equity CapitalQ3 2016vs Q3 2015$32.5MM$30.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.2MM$2.8MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.3MM$2.2MM
Real Estate OwnedQ3 2016vs Q3 2015$178.00K$262.00K
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 Community Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.24%$50-IRA Share Account
0.24%$50-Roth IRA Share Account
0.24%$50-Coverdell ESA
0.10%$50-Savings Account
0.10%$50-Rainy Day Account
0.10%$50-Holiday Share Account

Cornerstone Community Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$500k*-Money Market
OTHER TIERS: 0.10% $2,500 - $7,500 | 0.15% $7,500 - $12,500 | 0.20% $12,500 - $25k | 0.35% $25k - $40k | 0.40% $40k - $100k | 0.45% $100k - $250k | 0.55% $250k - $500k

Cornerstone Community Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$15kChoice Cash
OTHER TIERS: 0.27% $15k+

Cornerstone Community Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%$50k-60 Month Jumbo Certificate
1.76%$1k-60 Month Share Certificate
1.71%$50k-48 Month Jumbo Certificate
1.51%$1k-48 Month Share Certificate
1.46%$50k-36 Month Jumbo Certificate
1.31%$50k-24 Month Jumbo Certificate
1.26%$1k-36 Month Share Certificate
1.25%$1k-24 Month Step- Up Certificate - 4th 6 Months
1.13%$50k-18 Month Jumbo Certificate
1.11%$1k-24 Month Share Certificate
1.00%$1k-24 Month Step- Up Certificate - 3rd 6 Months
0.90%$1k-18 Month Share Certificate
0.75%$50k-12 Month Jumbo Certificate
0.75%$1k-24 Month Step- Up Certificate - 2nd 6 Months
0.60%$1k-12 Month Share Certificate
0.51%$250-12 Month Youth Share Certificate
0.50%$1k-24 Month Step- Up Certificate - 1st 6 Months
0.30%$1k-6 Month Share Certificate
0.30%$250-6 Month Youth Share Certificate

Cornerstone Community Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500-60 Month IRA Certificate
1.51%$500-48 Month IRA Certificate
1.26%$500-36 Month IRA Certificate
1.11%$500-24 Month IRA Certificate
0.90%$500-18 Month IRA Certificate
0.75%$50k-12 Month Jumbo IRA Certificate
0.60%$500-12 Month IRA Certificate
Locations


Cornerstone Community Financial Credit Union Locations
Branch Office2955 University DrAuburn Hills, MI 48326
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Branch Office3001 W Big Beaver Rd Ste 108Troy, MI 48084
Branch Office30606 Woodward AveRoyal Oak, MI 48073
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