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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cornerstone Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Cornerstone Credit Union's 7-Month CD Special rates are at 4.00%. Cornerstone Credit Union's savings rates are at 0.10%. Cornerstone Credit Union's money market rates are at 0.20%. MonitorBankRates evaluates the financial stability of Cornerstone Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.64%. Rates were last updated on 03/25/2026. Cornerstone Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cornerstone Credit Union? Share your experience about Cornerstone Credit Union by leaving a review below, or read customer reviews before you decide to use Cornerstone Credit Union. Cornerstone Credit Union
Cornerstone Credit Union 550 W Meadows Dr
https://www.cornerstonecu.org Freeport, IL 61032 7610 
Cornerstone Credit Union CD Rates
Cornerstone Credit Union Savings Rates
Cornerstone Credit Union Money Market Rates
Cornerstone Credit Union Checking Rates
Cornerstone Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cornerstone Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cornerstone Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cornerstone Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cornerstone Credit Union
Website
https://www.cornerstonecu.org
Address
550 W Meadows Dr,
Freeport, IL 61032 7610
Phone
815-235-5855
Fax
815-235-5970
President
Charles Beyer
CEO
Gail Clore
Full-Time Employees
36
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.64%
Return on Assets (ROA)
0.4613%
Return on Equity (ROE)
4.6662%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
164,477,558
Total Amount of Shares and Deposits
146,629,983
Total Shares and Deposits < 1 Year
133,955,912
Total Shares and Deposits 1 3 Years
11,157,559
Total Shares and Deposits > 3 Years
1,516,512
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,116,439
Total Uninsured Shares and Deposits > $250K (F+J)
8,116,439
Total Insured Shares and Deposits > $250K (item 17 less item K)
138,513,544
Total Interest Expense (Sum of items 6 8)
2,417,342
Share Certificates
811
Number of Accounts for Share Drafts
6,593
IRA KEOGH Accounts
156
Number of Accounts for Regular Shares
13,614
All other shares
193
Money Market Shares
325
Net Income (unless the amount is already included in Undivided Earnings)
758,713
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,706,155
Total Liabilities
148,006,051
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Cornerstone Credit UnionIs Cornerstone Credit Union a safe place to deposit money?Yes, Cornerstone Credit Union is considered a safe financial institution. With a Texas Ratio of 8.6415287801265%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Cornerstone Credit Union operate?Cornerstone Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Cornerstone Credit Union?Yes, to access services at Cornerstone Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Cornerstone Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cornerstone Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cornerstone Credit Union offer online and mobile banking?Most modern institutions like Cornerstone Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cornerstonecu.org. Current Cornerstone Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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