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 Mcdowell Cornerstone Credit Union CU 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.
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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 14, 2026
Mcdowell Cornerstone Credit Union CU's 6 month CDs rates are at 3.91%, 12 month CDs rates are at 0.18%. Mcdowell Cornerstone Credit Union CU's Personal Loan Rates are at 10.75%. MonitorBankRates evaluates the financial stability of Mcdowell Cornerstone Credit Union CU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.66%. Rates were last updated on 03/14/2026. Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU? Share your experience about Mcdowell Cornerstone Credit Union CU by leaving a review below, or read customer reviews before you decide to use Mcdowell Cornerstone Credit Union CU. Mcdowell Cornerstone Credit Union CU
MAIN 2031 RUTHERFORD RD
https://www.mcdowellcornerstone.com MARION, NC 28752 
Mcdowell Cornerstone Credit Union CU CD Rates
Mcdowell Cornerstone Credit Union CU Checking Rates
Mcdowell Cornerstone Credit Union CU Auto Loan Rates
Mcdowell Cornerstone Credit Union CU Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mcdowell Cornerstone Credit Union CU
Address
2031 RUTHERFORD RD,
MARION, NC 28752
Phone
828-652-4141
Fax
828-652-9343
President
LISA MORGAN
CEO
SHERRY YOUNG
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.66%
Return on Assets (ROA)
1.2291%
Return on Equity (ROE)
6.9486%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
37,156,146
Total Amount of Shares and Deposits
30,264,875
Total Shares and Deposits < 1 Year
30,244,250
Total Shares and Deposits 1 3 Years
20,625
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,136,510
Total Uninsured Shares and Deposits > $250K (F+J)
1,136,510
Total Insured Shares and Deposits > $250K (item 17 less item K)
29,128,365
Total Interest Expense (Sum of items 6 8)
109,348
Share Certificates
89
Number of Accounts for Share Drafts
1,767
IRA KEOGH Accounts
117
Number of Accounts for Regular Shares
2,928
Net Income (unless the amount is already included in Undivided Earnings)
456,701
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,360,639
Total Liabilities
30,618,351
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mcdowell Cornerstone Credit Union CUIs Mcdowell Cornerstone Credit Union CU a safe place to deposit money?Yes, Mcdowell Cornerstone Credit Union CU is considered a safe financial institution. With a Texas Ratio of 2.6597173894323%, 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 Mcdowell Cornerstone Credit Union CU operate?Mcdowell Cornerstone Credit Union CU 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 Mcdowell Cornerstone Credit Union CU?Yes, to access services at Mcdowell Cornerstone Credit Union CU, 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, Mcdowell Cornerstone Credit Union CU 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, Mcdowell Cornerstone Credit Union CU provides members with tools to manage their accounts and build a solid financial history. Does Mcdowell Cornerstone Credit Union CU offer online and mobile banking?Most modern institutions like Mcdowell Cornerstone Credit Union CU 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.mcdowellcornerstone.com. Current Mcdowell Cornerstone Credit Union CU Rates
Retrieved from our database of financial products. Rates subject to change.
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