Credit union · NCUA insured
Cornerstone Community Federal Credit Union
Top CarrotA $725.9M credit union headquartered in Lockport, NY, with 44,162 members and 7 branches in New York. Best rates: CDs 3.85% and savings 2.00% APY.
Cornerstone Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#11 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cornerstone Community Federal Credit Union
Cornerstone Community Federal Credit Union was founded in 1957 as Unit #1 Federal Credit Union to serve unionized workers of GM’s Harrison Radiator Division.
In 2003, it secured a community charter through the NCUA and became Cornerstone Community Federal Credit Union, serving Western New York.
- Headquarters
- 6485 S Transit Rd, Lockport, NY 14094-6331
- NCUA charter
- 11723
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or goes to school in Niagara or Erie County can join.
Cost to join
- A minimum deposit of $5 is required to become a member.
Branches
7 branches in New York
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New York
7 branches
- TransitMain office6485 S Transit Rd, Lockport, NY 14094Directions
- Getzville315 Stahl Rd, Getzville, NY 14068Directions
- Lockport5810 S Transit Rd, Lockport, NY 14094Directions
- Walnut Branch118 Walnut St, Lockport, NY 14094Directions
- Middleport5 State St, Middleport, NY 14105Directions
- Niagara Falls4225 Witmer Rd, Niagara Falls, NY 14305Directions
- Nt107 Main St, North Tonawanda, NY 14120Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.04% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio7.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.04%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cornerstone Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.