Credit union · NCUA insured
Cornerstone Community Federal Credit Union Savings Rates
Top CarrotCornerstone Community Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Community Savings. Rates checked October 16, 2026.
How Cornerstone Community Federal Credit Union’s savings 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
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Community Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Cornerstone Community Federal Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 Community Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Community Savings
2.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum average daily balance of $1,000.00 to earn APY.$1,000 and up | 2.00% | $200 | Minimum average daily balance of $1,000.00 to earn APY. |
Sources (1)
- ccfcu.org/product/current-rates · captured Sep 17, 2026
Premium Money Market
0.00%APY
Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. | 0.00% | $0 | Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. |
| $25,000 – $50,000Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. | 0.05% | — | Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. |
| $50,000 – $100,000Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. | 0.05% | — | Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. |
| $100,000 and upOpening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. | 0.05% | — | Opening deposits must be new money not already on deposit with Cornerstone of at least $25,000. Limit of four withdrawals per month with a minimum of $1,000 per withdrawal. If the account balance falls below $25,000, dividends will not be issued. Dividends paid monthly based on average daily balance at each tier level. Variable rate. |
Sources (1)
- ccfcu.org/product/current-rates · captured Sep 17, 2026
Money Market
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 0.03% | — |
| $5,000 – $25,000 | 0.03% | $3 |
| $25,000 – $50,000 | 0.03% | — |
| $50,000 and up | 0.03% | — |
Sources (1)
- ccfcu.org/product/current-rates · captured Sep 17, 2026
Regular Shares & Sub Accounts
0.01%APY
Opens membership with $5 deposit. Competitive quarterly dividends paid on average daily balance of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum average daily balance of $50.00 to earn APY.$50 and up | 0.01% | $1 | Minimum average daily balance of $50.00 to earn APY. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Junior Savings
2.50%APY
For ages 0-21. Low opening deposit, parent/guardian joint ownership. Online banking access at age 13+.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.50% | $250 |
IRA Account
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum average daily balance of $50.00 to earn APY.$50 and up | 0.10% | $10 | Minimum average daily balance of $50.00 to earn APY. |
Sources (1)
- ccfcu.org/product/current-rates · captured Sep 17, 2026
Christmas, HSA & Vacation Clubs
0.01%APY
Penalty fees apply for early withdrawal on club accounts. Competitive dividends paid on balances of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum average daily balance of $50.00 to earn APY.$50 and up | 0.01% | $1 | Minimum average daily balance of $50.00 to earn APY. |
Sources (2)
All captured Sep 17, 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.