Cornerstone Community Federal Credit Union CD Rates

How Cornerstone Community Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Buffalo, NY, where Cornerstone Community Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Cornerstone Community Federal Credit Union
3.85%APY
Term
9 months
Requires
None
Minimum
$500
Earns on $10,000
$287
Share Certificate
Top rate
HSBC USA
4.60%APY
Term
24 months
Requires
Another account
Minimum
$1,000
Earns on $10,000
$941
HSBC USA rates
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
Term
36 months
Requires
None
Minimum
$500
Earns on $10,000
$1,412
Ukrainian Federal Credit Union rates

Compare CD rates near you →

CD score

Higher than 54% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.75%
9–15 months9–15 mo3.85%
16–30 months16–30 mo3.50%
31–60 months31–60 mo3.25%
QualifiedQualified3.85%

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.

How the score works →

Where Cornerstone Community Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificate

Up to 3.85%APY · 11 termsFrom $500 to open

Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. For terms of 2 years or more under Unlock with the Rock, the early withdrawal penalty is the smaller of dividends since issuance/renewal or 30 days dividends.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months91 Day certificate term	0.15%	$4
6 months6 month certificate term	3.75%	$186
9 months9 month certificate term	3.85%	$287
12 months1 year certificate term	3.85%	$385
13 months13 month certificate term	3.25%	$353
15 months15 month certificate term	3.25%	$408
18 months18 month certificate term	3.50%	$530
24 months2 year certificate term under Unlock with the Rock. Early withdrawal penalty is smaller of dividends since issuance/renewal or 30 days dividends	3.25%	$661
36 months3 year member certificate limited time offer under Unlock with the Rock. Early withdrawal penalty is smaller of dividends since issuance/renewal or 30 days dividends	3.25%	$1,007
48 months4 year certificate term under Unlock with the Rock. Early withdrawal penalty is smaller of dividends since issuance/renewal or 30 days dividends	3.25%	$1,365
60 months5 year certificate term under Unlock with the Rock. Early withdrawal penalty is smaller of dividends since issuance/renewal or 30 days dividends	3.25%	$1,734

Sources (2)

All captured Sep 17, 2026

Special-purpose accounts

Youth Share Certificate

Up to 6.00%APY · 3 termsKids and teensFrom $50 to open

Balance range $50 - $5,000. Maximum aggregate principal balance of Wealth Builder Share Certificates is $5,000 per Social Security number. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months6 Month term	6.00%	—
12 months1 Year term	5.50%	—
24 months2 Year term	5.00%	—

Sources (1)

ccfcu.org/product/current-rates · captured Oct 16, 2026

IRA Share Certificate

Up to 3.25%APY · 8 termsIRAFrom $500 to open

Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. Excluded from general certificate promotional terms.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months91 Day IRA certificate term	0.20%	$5
6 months6 month IRA certificate term	2.75%	$137
12 months1 year IRA certificate term	3.00%	$300
18 months18 month IRA certificate term	3.25%	$491
24 months2 year IRA certificate term. For maturities of two years or more, early withdrawal forfeiture of dividends is the smaller of dividends since date of issuance/renewal or 30 days dividends	3.25%	$661
36 months3 year IRA certificate term. For maturities of two years or more, early withdrawal forfeiture of dividends is the smaller of dividends since date of issuance/renewal or 30 days dividends	3.25%	$1,007
48 months4 year IRA certificate term. For maturities of two years or more, early withdrawal forfeiture of dividends is the smaller of dividends since date of issuance/renewal or 30 days dividends	3.25%	$1,365
60 months5 year IRA certificate term. For maturities of two years or more, early withdrawal forfeiture of dividends is the smaller of dividends since date of issuance/renewal or 30 days dividends	1.75%	$906

Sources (1)

ccfcu.org/product/current-rates · captured Oct 16, 2026

Who can join Cornerstone Community Federal Credit Union

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.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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