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Cornerstone Community Financial Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
2955 University Dr
Auburn Hills, MI 48326

Cornerstone Community Financial Credit Union is headquartered in Auburn Hills and is the 48th largest credit union in the state of Michigan. It is also the 808th largest credit union in the nation. It was established in 1951 and as of June of 2016, it had grown to 63 employees and 27,219 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.
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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 Grade Components

NCUA #68641
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD5.58%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$267.0MM$246.4MM
LoansQ2 2016vs Q2 2015$234.1MM$214.5MM
DepositsQ2 2016vs Q2 2015$221.0MM$211.6MM
Equity CapitalQ2 2016vs Q2 2015$32.3MM$30.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.3MM$2.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.3MM$1.7MM
Real Estate OwnedQ2 2016vs Q2 2015$221.00K$380.00K
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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

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

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

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

Cornerstone Community Financial Credit Union CD Rates

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

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

Cornerstone Community Financial Credit Union Locations
Branch Office2955 University DrAuburn Hills, MI 48326
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