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Cornerstone Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cornerstonecu.org
815-235-5855
550 W Meadows Dr
Freeport, IL 61032-5072

Cornerstone Credit Union is headquartered in Freeport and is the 42nd largest credit union in the state of Illinois. It is also the 1,394th largest credit union in the nation. It was established in 1939 and as of March of 2025, it had grown to 36 employees and 9,499 members at 3 locations. Cornerstone Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Cornerstone Credit Union is open to those who live or work in the Illinois counties of Boone, Bureau, Carroll, Jo Daviess, Ogle, Lee, Stevenson, Whiteside, or Winnebago, or in the Wisconsin counties of Greene or Rock. Family members of a current Cornerstone Credit Union members are also eligible to join.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #60189
Year Chartered1939
Employees36
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.44%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$172.3MM$152.1MM
LoansQ1 2025vs Q1 2024$96.5MM$92.2MM
DepositsQ1 2025vs Q1 2024$155.1MM$134.9MM
Equity CapitalQ1 2025vs Q1 2024$15.8MM$15MM
Loan Loss AllowanceQ1 2025vs Q1 2024$880K$738K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$278K$511K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Primary Savings
0.10%$0-Holiday Club
0.10%$250-Business Savings
0.10%$5-C.U. CA$H® Kids Club
0.10%$0-Secondary Savings

Cornerstone Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$500k*-Insured High Yield Money Market
OTHER TIERS: 0.20% → $5k - $50k | 0.70% → $50k - $100k | 1.90% → $100k - $250k | 2.50% → $250k - $500k
1.50%*$75k*-IRA Money Market
OTHER TIERS: 0.20% → $0 - $2.5k | 0.50% → $2.5k - $20k | 0.65% → $20k - $75k
0.95%*$75k*-Insured Money Market
OTHER TIERS: 0.20% → $2.5k - $20k | 0.40% → $20k - $75k
0.95%*$75k*-Business Money Market
OTHER TIERS: 0.20% → $2.5k - $20k | 0.40% → $20k - $75k

Cornerstone Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$20k-Premium Business Checking
0.20%*$5k*-Premier Business Checking
OTHER TIERS: 0.05% → $0 - $2.5k | 0.15% → $2.5k - $5k
0.15%*$20k*-Checking Plus
OTHER TIERS: 0.05% → $1k - $20k

Cornerstone Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-7 Month CD Special
4.00%$1k-Business 7 Month CD Special
3.75%*$100k*-24 Month CD
OTHER TIERS: 2.50% → $1k - $20k | 3.00% → $20k - $100k
3.75%*$100k*-Business 24 Month CD
OTHER TIERS: 2.50% → $1k - $20k | 3.00% → $20k - $100k
3.20%*$100k*-12 Month CD
OTHER TIERS: 1.35% → $1k - $100k
3.20%*$100k*-Business 12 Month CD
OTHER TIERS: 1.35% → $1k - $100k
2.20%*$100k*-180 Day CD
OTHER TIERS: 0.50% → $1k - $100k
2.20%*$100k*-Business 180 Day CD
OTHER TIERS: 0.50% → $1k - $100k
1.95%*$20k*-60 Month CD
OTHER TIERS: 1.85% → $1k - $20k
1.95%*$20k*-Business 60 Month CD
OTHER TIERS: 1.85% → $1k - $20k
1.85%*$20k*-48 Month CD
OTHER TIERS: 1.75% → $1k - $20k
1.85%*$20k*-Business 48 Month CD
OTHER TIERS: 1.75% → $1k - $20k
1.80%*$20k*-36 Month CD
OTHER TIERS: 1.70% → $1k - $20k
1.80%*$20k*-Business 36 Month CD
OTHER TIERS: 1.70% → $1k - $20k
0.35%$1k-90 Day CD
0.35%$1k-Business 90 Day CD

Cornerstone Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$1k*$100k180 Day IRA
OTHER TIERS: 2.20% → $100k+
4.00%$5k-7 Month IRA Special
3.75%*$100k*-24 Month IRA
OTHER TIERS: 2.50% → $20k - $100k | 3.00% → $1k - $20k
3.20%*$100k*-12 Month IRA
OTHER TIERS: 1.35% → $1k - $100k
1.95%*$20k*-60 Month IRA
OTHER TIERS: 1.85% → $1k - $20k
1.85%*$20k*-48 Month IRA
OTHER TIERS: 1.75% → $1k - $20k
1.80%*$20k*-36 Month IRA
OTHER TIERS: 1.70% → $1k - $20k
0.50%$1k-90 Day IRA
Locations


Cornerstone Credit Union Locations
Branch Office550 W Meadows DrFreeport, IL 61032-7610
Branch Office615 W 3rd StSterling, IL 61081
Branch Office640 Blackhawk BlvdSouth Beloit, IL 61080

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