Bank · FDIC insured
Cornerstone Bank CD Rates
Cornerstone Bank’s best CD rate is 3.65% APY on an 8-month CD. Terms run from 6 months to 2 years. Rates checked October 15, 2026.
How Cornerstone Bank’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Cornerstone Bank has the most branches. $10,000, best rate first.
This bank’s best
Cornerstone Bank
3.65%APY
- Term
- 8 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $242
Certificates of Deposit
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Cornerstone Bank CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo3.50%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cornerstone Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.65%APY · 5 terms
Rates guaranteed for length of term. Penalty for early withdrawal. CDs that auto-renew with balances less than $500.00 will not earn interest. Available terms range from 6 months to 5 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAssumes principal and interest remain on deposit for term length | 2.90% | $144 |
| 8 monthsAssumes principal and interest remain on deposit for term length | 3.65% | $242 |
| 12 monthsAssumes principal and interest remain on deposit for term length | 2.00% | $200 |
| 18 monthsAssumes principal and interest remain on deposit for 18 months | 3.50% | $530 |
| 24 monthsAssumes principal and interest remain on deposit for term length | 2.00% | $404 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.50%APY · 5 terms
Available as Traditional IRA and Roth IRA plans. Available terms range from 6 months to 5 years. Penalty for early withdrawal. Rates guaranteed for length of term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed-rate term certificate | 2.90% | $144 |
| 8 monthsFixed-rate term certificate | 1.00% | $67 |
| 12 monthsFixed-rate term certificate | 2.00% | $200 |
| 18 monthsFixed-rate term certificate | 3.50% | $530 |
| 24 monthsFixed-rate term certificate | 2.00% | $404 |
Sources (3)
- cornerstonebank.com/individual-retirement-account
- cornerstonebank.com/ira
- cornerstonebank.com/bank/personal/cd-accounts-and-iras
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.