Credit union · NCUA insured
Cornerstone Community Financial Credit Union
Top CarrotA $479.6M credit union headquartered in Auburn Hills, MI, with 25,722 members and 9 branches in 2 states. Best rates: CDs 4.50% and savings 0.05% APY.
Cornerstone Community Financial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#9 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cornerstone Community Financial Credit Union
Founded in 1951 as Mo-Par Federal Credit Union for Chrysler parts division employees, the credit union became Motor Parts Federal Credit Union in 1961 and took its current name in 2004.
Headquartered in Auburn Hills, Michigan, since 1994, the member-owned financial cooperative operates nine branches across Michigan and Ohio.
- Headquarters
- 2955 University Dr, Auburn Hills, MI 48326
- NCUA charter
- 68641
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, regularly do business in, or attend school anywhere in the state of Michigan are eligible to join.
- Individuals who live, work, worship, regularly do business in, or attend school in Fulton, Henry, Lucas, Ottawa, Sandusky, or Wood County in Ohio are eligible to join.
Family and household
- Immediate family members of current Cornerstone members are eligible to join.
Cost to join
- To become a member, opening a Regular Savings account first is required.
Branches
9 branches in 2 states
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Michigan
7 branches
- Auburn HillsMain office2955 University Dr, Auburn Hills, MI 48326Directions
- Center Line7291 Bernice, Center Line, MI 48015Directions
- Clinton Twp16673 15 Mile Rd, Clinton Township, MI 48035Directions
- Macomb20851 Hall Rd, Macomb, MI 48044Directions
- Royal Oak30606 Woodward Ave, Royal Oak, MI 48073Directions
- Sterling Heights44911 Mound Rd, Sterling Heights, MI 48314Directions
- Troy Branch and Operations Center2138 E Big Beaver Rd, Troy, MI 48083Directions
Ohio
2 branches
- Perrysburg28543 Oregon Rd, Perrysburg, OH 43551Directions
- Toledo4400 Heatherdowns Blvd, Toledo, OH 43614Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.18% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.66% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $104 | $76 | — |
- CapitalNet worth ratio12.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.18%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$104Peers’ 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 Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.