Cornerstone Community Financial Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.02%	Reward Checking	Choice Cash 1.84% - National Average
1.76%	5-year CD	60 Month Share Certificate 2.25% - Bank of Internet USA 60 Month CD
0.60%	1-year CD	12 Month Share Certificate 1.50% - Goldman Sachs Bank USA 12 Month CD

View all Cornerstone Community Financial Credit Union rates »

Overview / Commentary

www.ccfinancial.com

248-340-9310

2955 University Dr
Auburn Hills, MI 48326

Cornerstone Community Financial Credit Union is headquartered in Auburn Hills and is the 48^th largest credit union in the state of Michigan. It is also the 813^th largest credit union in the nation. It was established in 1951 and as of June of 2017, it had grown to 68 employees and 22,808 members at 6 locations. Cornerstone Community Financial Credit Union's money market rates are 36% higher than the national average, and it boasts 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

Reviews (1)

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Featured Account Options

So many fees

Posted by: MeSomebody | Jul 23, 2014

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 .

Comment

1

Health

A+

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68641
Year Chartered	1951
Employees	68
Primary Regulator

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	5.98%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$278.4MM$267.0MM
Loans	Q2 2017vs Q2 2016	$236.1MM$234.1MM
Deposits	Q2 2017vs Q2 2016	$231.9MM$221.0MM
Equity Capital	Q2 2017vs Q2 2016	$33.7MM$32.3MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$2.0MM$2.3MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$1.6MM$2.3MM
Real Estate Owned	Q2 2017vs Q2 2016	$141.00K$221.00K

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	-	$15k	Choice Cash
OTHER TIERS: 0.27% → $15k+

Cornerstone Community Financial Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	2955 University Dr	Auburn Hills, MI 48326
Branch Office	7291 Bernice	Center Line, MI 48015
Branch Office	1785 Rochester Rd	Troy, MI 48083
Branch Office	3001 W Big Beaver Rd Ste 108	Troy, MI 48084
Branch Office	30606 Woodward Ave	Royal Oak, MI 48073
Branch Office	28543 Oregon Rd	Perrysburg, OH 43551