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Cornerstone State Bank

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Cornerstone State Bank Rates & Review October 2026

Q: What are the current interest rates at Cornerstone State Bank?

Current rates for Cornerstone State Bank include: 24-Month CD: 3.58%, 36-Month CD: 2.82%, 48-Month CD: 3.07%, 60-Month CD: 3.07%, Savings: 1.51%, MMA: 1.76%

Q: What CD terms does Cornerstone State Bank offer?

The Cornerstone State Bank CD terms we track include 3 month, 6 month, 23 month, 2 year, 35 month, 3 year, 4 year and 5 year terms, with rates from 3.33% to 4.86% APY. The institution may offer other terms or specials that are not listed here, so check with Cornerstone State Bank for its full lineup.

Q: How many branches does Cornerstone State Bank operate?

Cornerstone State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Cornerstone State Bank 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 21, 2026

Cornerstone State Bank's 36-48-Months IRA 36-48-Month C.D. rates are at 4.86%, Certificates of Deposit (C.D.) - Compounded Quarterly - 3-Month C.D. rates are at 3.60%, 12-23-Months 12 - 23-Month C.D. rates are at 3.58%, 6-Month C.D. rates are at 3.58%, 24-35-Months 24 - 35-Month C.D. rates are at 3.33%. Cornerstone State Bank's savings rates are at 1.51%. Cornerstone State Bank's money market rates are at 1.76%. Cornerstone State Bank's checking rates are as high as 1.41%. MonitorBankRates evaluates the financial stability of Cornerstone State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.12%. Rates last updated and verified on 10/21/2026.

Cornerstone State Bank 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 State Bank? Share your experience about Cornerstone State Bank by leaving a review below, or read customer reviews before you decide to use Cornerstone State Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.12%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Cornerstone State Bank

401 4th St Nw
Montgomery, MN 56069

https://cornerstonestatebank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cornerstone State Bank CD Rates

Product	Rate	APY	Term
IRA 36-48 month C.D.	4.80%	4.86%	36-48 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $199,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 4.55% → 4.86% ▲ 0.31 pts · high 4.86% / low 4.55% Oct 20, 20264.86%▲ from 4.55% Oct 14, 20264.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA 36-48 month C.D.	4.80%	4.86%	36-48 months
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000+; Compounded Semi-Annually; New CDs $200,000 and over require an active checking account with minimum of 10 entries per month Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 4.55% → 4.86% ▲ 0.31 pts · high 4.86% / low 4.55% Oct 20, 20264.86%▲ from 4.55% Oct 14, 20264.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA 36-48 month C.D.	4.30%	4.35%	36-48 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 4.04% → 4.35% ▲ 0.31 pts · high 4.35% / low 4.04% Oct 20, 20264.35%▲ from 4.04% Oct 14, 20264.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA 36-48 month C.D.	3.80%	3.84%	36-48 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $24,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.53% → 3.84% ▲ 0.31 pts · high 3.84% / low 3.53% Oct 20, 20263.84%▲ from 3.53% Oct 14, 20263.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Certificates of Deposit (C.D.) - Compounded Quarterly - 3 Month C.D.	3.55%	3.60%	3 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 to $24,999.99; Compounded Quarterly Last Updated 10/21/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Certificates of Deposit (C.D.) - Compounded Quarterly - 3 Month C.D.	3.55%	3.60%	3 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 to $74,999.99; Compounded Quarterly Last Updated 10/21/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Certificates of Deposit (C.D.) - Compounded Quarterly - 3 Month C.D.	3.55%	3.60%	3 Month
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000 to $199,999.99; Compounded Quarterly Last Updated 10/21/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Certificates of Deposit (C.D.) - Compounded Quarterly - 3 Month C.D.	3.55%	3.60%	3 Month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000+; Compounded Quarterly; New CDs of $200,000 and over are required to have an active checking account with a minimum of 10 entries per month Last Updated 10/21/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 - 23 Month C.D.	3.55%	3.58%	12-23 months
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $24,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Oct 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 - 23 Month C.D.	3.55%	3.58%	12-23 months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Oct 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 - 23 Month C.D.	3.55%	3.58%	12-23 months
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000 - $199,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Oct 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 - 23 Month C.D.	3.55%	3.58%	12-23 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000+; Compounded Semi-Annually; New CDs $200,000 and over require an active checking account with minimum of 10 entries per month Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Oct 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month C.D.	3.55%	3.58%	6 Month
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $24,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Oct 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month C.D.	3.55%	3.58%	6 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Sep 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Sep 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month C.D.	3.55%	3.58%	6 Month
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000 - $199,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Sep 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Sep 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month C.D.	3.55%	3.58%	6 Month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000+; Compounded Semi-Annually; New CDs $200,000 and over require an active checking account with minimum of 10 entries per month Last Updated 10/21/2026 Rate History 1 change since Sep 14, 2026 · 3.38% → 3.58% ▲ 0.20 pts · high 3.58% / low 3.38% Oct 20, 20263.58%▲ from 3.38% Sep 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 - 35 Month C.D.	3.30%	3.33%	24-35 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Oct 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 - 35 Month C.D.	3.30%	3.33%	24-35 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $199,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Oct 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 - 35 Month C.D.	3.30%	3.33%	24-35 months
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000+; Compounded Semi-Annually; New CDs $200,000 and over require an active checking account with minimum of 10 entries per month Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Oct 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 - 48 Month C.D.	3.30%	3.33%	36-48 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Oct 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 - 48 Month C.D.	3.30%	3.33%	36-48 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $199,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Oct 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 - 48 Month C.D.	3.30%	3.33%	36-48 months
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000+; Compounded Semi-Annually; New CDs $200,000 and over require an active checking account with minimum of 10 entries per month Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Oct 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month C.D.	3.30%	3.33%	60 Month
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Sep 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Sep 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month C.D.	3.30%	3.33%	60 Month
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $199,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Sep 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Sep 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month C.D.	3.30%	3.33%	60 Month
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000+; Compounded Semi-Annually; New CDs $200,000 and over require an active checking account with minimum of 10 entries per month Last Updated 10/21/2026 Rate History 1 change since Sep 14, 2026 · 3.02% → 3.33% ▲ 0.31 pts · high 3.33% / low 3.02% Oct 20, 20263.33%▲ from 3.02% Sep 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 - 48 Month C.D.	3.05%	3.07%	36-48 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $24,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 2.77% → 3.07% ▲ 0.30 pts · high 3.07% / low 2.77% Oct 20, 20263.07%▲ from 2.77% Oct 14, 20262.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month C.D.	3.05%	3.07%	60 Month
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $24,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 2.77% → 3.07% ▲ 0.30 pts · high 3.07% / low 2.77% Oct 20, 20263.07%▲ from 2.77% Oct 14, 20262.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 - 35 Month C.D.	2.80%	2.82%	24-35 months
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $24,999.99; Compounded Semi-Annually Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 2.52% → 2.82% ▲ 0.30 pts · high 2.82% / low 2.52% Oct 20, 20262.82%▲ from 2.52% Oct 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Cornerstone State Bank Savings Rates

Product	Rate	APY
CornerStone HSA/IRA Savings	1.50%	1.51%
Min Deposit $50 Min Balance $25,000 Details Compounded Quarterly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone HSA/IRA Savings	1.50%	1.51%
Min Deposit $50 Min Balance $75,000 Details Compounded Quarterly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone HSA/IRA Savings	1.50%	1.51%
Min Deposit $50 Min Balance $150,000 Details Compounded Quarterly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings	1.40%	1.41%
Min Deposit $2,500 Min Balance $150,000 Details Compounded Quarterly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Minor Savings	1.30%	1.31%
Min Deposit $50 Min Balance $150,000 Details Compounded Quarterly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Savings	1.30%	1.31%
Min Deposit $50 Min Balance $150,000 Details Compounded Quarterly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings	1.20%	1.21%
Min Deposit $2,500 Min Balance $75,000 Details Compounded Quarterly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings	1.10%	1.11%
Min Deposit $2,500 Min Balance $25,000 Details Compounded Quarterly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Minor Savings	1.10%	1.11%
Min Deposit $50 Min Balance $75,000 Details Compounded Quarterly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Savings	1.10%	1.11%
Min Deposit $50 Min Balance $75,000 Details Compounded Quarterly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Christmas Club Savings	1.00%	1.00%
Min Deposit $5 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Savings	1.00%	1.00%
Min Deposit $2,500 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone HSA/IRA Savings	1.00%	1.00%
Min Deposit $50 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Minor Savings	0.90%	0.90%
Min Deposit $50 Min Balance $25,000 Details Compounded Quarterly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Savings	0.90%	0.90%
Min Deposit $50 Min Balance $25,000 Details Compounded Quarterly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Minor Savings	0.75%	0.75%
Min Deposit $50 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Savings	0.75%	0.75%
Min Deposit $50 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Cornerstone State Bank Business Savings Rates

Product	Rate	APY
CornerStone Business Savings	1.30%	1.31%
Min Deposit $100 Min Balance $150,000 Details Compounded Quarterly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Business Savings	1.10%	1.11%
Min Deposit $100 Min Balance $75,000 Details Compounded Quarterly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Business Savings	0.90%	0.90%
Min Deposit $100 Min Balance $25,000 Details Compounded Quarterly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Business Savings	0.75%	0.75%
Min Deposit $100 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Cornerstone State Bank Money Market Rates

Product	Rate	APY
CornerStone Gold/VIP Money Market	1.75%	1.76%
Min Deposit $15,000 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Public Money Market	1.75%	1.76%
Min Deposit $1,000 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Money Market	1.70%	1.71%
Min Deposit $1,000 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Money Market	1.60%	1.61%
Min Deposit $15,000 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Money Market	1.50%	1.51%
Min Deposit $1,000 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Public Money Market	1.50%	1.51%
Min Deposit $1,000 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Money Market	1.30%	1.31%
Min Deposit $15,000 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Money Market	1.20%	1.21%
Min Deposit $1,000 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Public Money Market	1.20%	1.21%
Min Deposit $1,000 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Money Market	1.15%	1.16%
Min Deposit $15,000 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Personal Money Market	1.05%	1.06%
Min Deposit $1,000 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Public Money Market	1.05%	1.06%
Min Deposit $1,000 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Cornerstone State Bank Business Money Market Rates

Product	Rate	APY
CornerStone Business Money Market	1.70%	1.71%
Min Deposit $1,000 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Business Money Market	1.50%	1.51%
Min Deposit $1,000 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Business Money Market	1.20%	1.21%
Min Deposit $1,000 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Business Money Market	1.05%	1.06%
Min Deposit $1,000 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Cornerstone State Bank Checking Rates

Product	Rate	APY
CornerStone Non-Profit Checking-Int@>599	1.40%	1.41%
Min Deposit $100 Min Balance $150,000 Details Compounded Quarterly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Non-Profit Checking-Int@>599	1.25%	1.26%
Min Deposit $100 Min Balance $75,000 Details Compounded Quarterly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Non-Profit Checking-Int@>599	1.10%	1.11%
Min Deposit $100 Min Balance $25,000 Details Compounded Quarterly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599	1.00%	1.01%
Min Deposit $500 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gems Checking	1.00%	1.01%
Min Deposit $500 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking	1.00%	1.01%
Min Deposit $15,000 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100	1.00%	1.01%
Min Deposit $50 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Non-Profit Checking-Int@>599	1.00%	1.00%
Min Deposit $100 Min Balance $0 Details Compounded Quarterly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599	0.75%	0.75%
Min Deposit $500 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gems Checking	0.75%	0.75%
Min Deposit $500 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking	0.75%	0.75%
Min Deposit $15,000 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100	0.75%	0.75%
Min Deposit $50 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599	0.50%	0.50%
Min Deposit $500 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Builder Checking-Int@>599	0.50%	0.50%
Min Deposit $500 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gems Checking	0.50%	0.50%
Min Deposit $500 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gems Checking	0.50%	0.50%
Min Deposit $500 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking	0.50%	0.50%
Min Deposit $15,000 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Gold/VIP Checking	0.50%	0.50%
Min Deposit $15,000 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100	0.50%	0.50%
Min Deposit $50 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Mascot Checking-Int@>100	0.50%	0.50%
Min Deposit $50 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Cornerstone State Bank Business Checking Rates

Product	Rate	APY
CornerStone Regular Business Checking	1.00%	1.01%
Min Deposit $0 Min Balance $150,000 Details Compounded Monthly; Balance: $150,000 and over Last Updated 10/21/2026 Rate History 2 changes since Sep 14, 2026 · 1.01% → 1.01% ▼ 0.00 pts · high 1.01% / low 0.80% Oct 14, 20261.01%▲ from 0.80% Oct 7, 20260.80%▼ from 1.01% Sep 14, 20261.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Regular Business Checking	0.75%	0.75%
Min Deposit $0 Min Balance $75,000 Details Compounded Monthly; Balance: $75,000 - $149,999.99 Last Updated 10/21/2026 Rate History 2 changes since Sep 14, 2026 · 0.75% → 0.75% ▼ 0.00 pts · high 0.75% / low 0.60% Oct 14, 20260.75%▲ from 0.60% Oct 7, 20260.60%▼ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Regular Business Checking	0.50%	0.50%
Min Deposit $0 Min Balance $0 Details Compounded Monthly; Balance: $0.01 - $24,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
CornerStone Regular Business Checking	0.50%	0.50%
Min Deposit $0 Min Balance $25,000 Details Compounded Monthly; Balance: $25,000 - $74,999.99 Last Updated 10/21/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Cornerstone State Bank’s Texas Ratio rose from 0.88% in Q3 2023 to 6.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 2.3 to 5.0 and its Health Grade from C- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$247M	6.12%	5.0	A
March 31, 2026	$243M	4.06%	5.0	A+
December 31, 2025	$242M	3.91%	5.0	A+
September 30, 2025	$233M	3.65%	5.0	A+
June 30, 2025	$235M	3.99%	4.9	A+
March 31, 2025	$234M	9.57%	4.4	B+
December 31, 2024	$237M	9.20%	4.1	B
September 30, 2024	$232M	1.04%	4.9	A+
June 30, 2024	$226M	0.88%	3.8	B+
March 31, 2024	$227M	0.23%	3.8	B+
December 31, 2023	$228M	1.21%	4.3	A-
September 30, 2023	$221M	0.88%	2.3	C-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cornerstone State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cornerstone State Bank 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 State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Cornerstone State Bank

Website https://cornerstonestatebank.com

Address 401 4th St Nw, Montgomery, MN 56069 · Le Sueur

Bank Holding Company CORNERSTONE BCORP INC

FDIC Certificate # 21525

Regulator FDIC

Established April 8, 1974

FDIC Insurance Date April 8, 1974

Domestic Offices 7

Total Branches 7

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.12%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4893%

Return on Equity (ROE)

18.9400%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

$246,958,000

Total Deposits

$223,948,000

Equity Capital

$19,950,000

Net Income

$1,817,000

Headquarters

Montgomery

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Cornerstone State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Cornerstone State Bank

Does Cornerstone State Bank offer CDs?

Yes. Cornerstone State Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Cornerstone State Bank FDIC insured?

Yes. Cornerstone State Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Cornerstone State Bank?

The highest CD rate MonitorBankRates has verified for Cornerstone State Bank is 4.86% APY on its 36-48-Months IRA 36-48-Month C.D. CD, as of October 21, 2026.

What CD terms does Cornerstone State Bank offer?

The Cornerstone State Bank CD terms we track include 3 month, 6 month, 23 month, 2 year, 35 month, 3 year, 4 year and 5 year terms, with rates from 3.33% to 4.86% APY. The institution may offer other terms or specials that are not listed here, so check with Cornerstone State Bank for its full lineup.

What is the highest savings rate at Cornerstone State Bank?

The highest savings rate MonitorBankRates has verified for Cornerstone State Bank is 1.51% APY on its CornerStone HSA/IRA Savings, as of October 21, 2026.

What is the highest money market rate at Cornerstone State Bank?

The highest money market rate MonitorBankRates has verified for Cornerstone State Bank is 1.76% APY on its CornerStone Gold/VIP Money Market, as of October 21, 2026.

What is the highest checking rate at Cornerstone State Bank?

The highest checking rate MonitorBankRates has verified for Cornerstone State Bank is 1.41% APY on its CornerStone Non-Profit Checking-Int@>599, as of October 21, 2026.

How many branches does Cornerstone State Bank operate?

Cornerstone State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cornerstone State Bank 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 State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cornerstone State Bank offer online and mobile banking?

Most modern institutions like Cornerstone State Bank 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://cornerstonestatebank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Cornerstone State Bank rates compare?

Cornerstone State Bank's top rates are 4.86% APY on its 36-48-Months IRA 36-48-Month C.D. CD, 1.51% APY on savings, 1.76% APY on money market and 1.41% APY on checking, verified by MonitorBankRates on October 21, 2026. To compare Cornerstone State Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current Cornerstone State Bank Rates

24-Month CD3.58%
36-Month CD2.82%
48-Month CD3.07%
60-Month CD3.07%
Savings1.51%
MMA1.76%

Retrieved from our database of financial products. Rates subject to change.

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Cornerstone State Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cornerstone State Bank Texas Ratio

Cornerstone State Bank Health Trend

Cornerstone State Bank CD Rates

Cornerstone State Bank Savings Rates

Cornerstone State Bank Business Savings Rates

Cornerstone State Bank Money Market Rates

Cornerstone State Bank Business Money Market Rates

Cornerstone State Bank Checking Rates

Cornerstone State Bank Business Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Cornerstone State Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cornerstone State Bank

Does Cornerstone State Bank offer CDs?

Are CDs from Cornerstone State Bank FDIC insured?

What is the highest CD rate at Cornerstone State Bank?

What CD terms does Cornerstone State Bank offer?

What is the highest savings rate at Cornerstone State Bank?

What is the highest money market rate at Cornerstone State Bank?

What is the highest checking rate at Cornerstone State Bank?

How many branches does Cornerstone State Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cornerstone State Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Cornerstone State Bank rates compare?

Current Cornerstone State Bank Rates

Compare to Other Banks