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Cornerstone National Bank & Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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 7/2/2025
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.cornerstonenb.com
847-654-3000
One West Northwest Highway
Palatine, IL 60067

Cornerstone National Bank & Trust Company is headquartered in PALATINE and is the 54th largest bank in the state of Illinois. It is also the 1,031st largest bank in the nation. It was established in 2000 and as of March of 2025, it had grown to 97 employees at 5 locations. Cornerstone National Bank & Trust Company's money market rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #57061
Year Established2000
Employees97
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD9.17%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$997.8MM$982.2MM
LoansQ1 2025vs Q1 2024$651.6MM$626.5MM
DepositsQ1 2025vs Q1 2024$892.9MM$883.6MM
Equity CapitalQ1 2025vs Q1 2024$98.7MM$90.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.7MM$8.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$779K$975K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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 7/2/2025
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 National Bank & Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$1.5m*-Savings Account
OTHER TIERS: 0.45% → $100 - $50k | 0.65% → $50k - $100k | 0.90% → $100k - $250k | 1.10% → $250k - $500k | 1.25% → $500k - $1m | 1.50% → $1m - $1.5m
1.75%*$1.5m*-Minor Savings Account
OTHER TIERS: 0.45% → $25 - $50k | 0.65% → $50k - $100k | 0.90% → $100k - $250k | 1.10% → $250k - $500k | 1.25% → $500k - $1m | 1.50% → $1m - $1.5m

Cornerstone National Bank & Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$1.5m*-Preferred Money Market Account
OTHER TIERS: 0.45% → $1k - $50k | 0.65% → $50k - $100k | 0.90% → $100k - $250k | 1.10% → $250k - $500k | 1.25% → $500k - $1m | 1.50% → $1m - $1.5m

Cornerstone National Bank & Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Interest/NOW Account
OTHER TIERS: 0.05% → $100 - $25k

Cornerstone National Bank & Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$100k*-5 Year CD
OTHER TIERS: 3.00% → $1k - $10k | 3.05% → $10k - $100k
2.90%*$100k*-4 Year CD
OTHER TIERS: 2.80% → $1k - $10k | 2.85% → $10k - $100k
2.60%*$100k*-3 Year CD
OTHER TIERS: 2.50% → $1k - $10k | 2.55% → $10k - $100k
2.20%*$100k*-2 Year CD
OTHER TIERS: 2.10% → $1k - $10k | 2.15% → $10k - $100k
2.10%*$100k*-1 Year CD
OTHER TIERS: 2.00% → $1k - $10k | 2.05% → $10k - $100k
1.60%*$100k*-1 Month CD
OTHER TIERS: 1.50% → $1k - $10k | 1.55% → $10k - $100k
1.60%*$100k*-3 Month CD
OTHER TIERS: 1.50% → $1k - $10k | 1.55% → $10k - $100k
1.60%*$100k*-6 Month CD
OTHER TIERS: 1.50% → $1k - $10k | 1.55% → $10k - $100k

Cornerstone National Bank & Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%*$100k*-Preferred IRA Account
OTHER TIERS: 2.50% → $0 - $10k | 2.55% → $10k - $100k
Locations


Cornerstone National Bank & Trust Company Locations
Lake Zurich Branch21805 W Field PkwyDeer Park, IL 60010
Cornerstone National Bank & Trust Company Branch1185 South Route 31Crystal Lake, IL 60014
Cornerstone National Bank & Trust Company1 W Northwest HwyPalatine, IL 60067
Naperville Banking Center Branch1804 N Naper Blvd Ste 450Naperville, IL 60563
Schaumburg Banking Center Branch650 E Algonquin Rd Suite 100Schaumburg, IL 60173

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