Credit union · NCUA insured
Cornerstone Community Financial Credit Union CD Rates
Top CarrotCornerstone Community Financial Credit Union’s best CD rate is 4.50% APY on a 19-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Cornerstone Community Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Cornerstone Community Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cornerstone Community Financial Credit Union
4.40%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $254
Certificate of Deposit
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Cornerstone Community Financial Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo2.52%
- QualifiedQualified4.40%
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 Financial 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.
Certificate of Deposit
Up to 4.40%APY · 11 terms
Must maintain an average daily balance of $1,000 to earn the APY. A penalty may be imposed for early withdrawals.
| Term | APY · $1,000 – $500,000 | APY · $1,000 and up | APY · $75,000 – $750,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 0.90% | — | 0.90% | $45 |
| 7 monthsNEW MONEY Special Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $500,000. Product may be modified or discontinued at any time | 4.40% | — | — | 4.40% | $254 |
| 12 months | — | 1.26% | — | 1.26% | $126 |
| 13 monthsNEW MONEY Special Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $500,000. Product may be modified or discontinued at any time | 4.10% | — | — | 4.10% | $445 |
| 18 months | — | 1.36% | — | 1.36% | $205 |
| 19 monthsNEW MONEY Jumbo CD Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $750,000. Product may be modified or discontinued at any time | — | — | 4.50% | —4.50% $75k–$750k | — |
| 20 monthsNEW MONEY Special Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $500,000. Product may be modified or discontinued at any time | 4.25% | — | — | 4.25% | $718 |
| 24 months | — | 1.51% | — | 1.51% | $304 |
| 36 months | — | 2.02% | — | 2.02% | $618 |
| 48 months | — | 2.27% | — | 2.27% | $939 |
| 60 months | — | 2.52% | — | 2.52% | $1,325 |
Sources (3)
All captured Oct 5, 2026
Jumbo Certificates
Up to 2.52%APY · 6 terms
Dividends paid quarterly. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.26% | — |
| 18 months | 1.36% | — |
| 24 months | 1.51% | — |
| 36 months | 2.02% | — |
| 48 months | 2.27% | — |
| 60 months | 2.52% | — |
Sources (2)
All captured Oct 5, 2026
Step-Up Certificate
Up to 1.10%APY · 1 term
24-month certificate with rate bumps every 6 months. Dividends paid at maturity. Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFirst 6 months rate | 0.80% | $161 |
| 24 monthsFourth 6 months rate | 1.10% | $221 |
| 24 monthsSecond 6 months rate | 0.90% | $181 |
| 24 monthsThird 6 months rate | 1.00% | $201 |
Sources (1)
- ccfinancial.com/rates · captured Oct 5, 2026
Special-purpose accounts
Youth Certificates
Up to 4.00%APY · 2 terms
Penalties may apply for early withdrawal. Dividends paid quarterly (6 Month Certificate dividends paid at maturity).
| Term | APY · Up to $25,000 | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends paid at maturity | — | 0.90% | 0.90% | $45 |
| 12 monthsDividends paid quarterly | — | 1.26% | 1.26% | $126 |
| 12 monthsNEW MONEY GenGrow 12-month CD. Available for ages 25 and under. Funds must be new money not already on deposit at CCFCU or have been deposited via cash, check, ACH, or wire transfer to CCFCU within five days prior to the CD being opened. Maximum CD amount is $25,000. Additional deposits may be made at any time during the 12-month term. One penalty-free withdrawal is permitted per 12-month term; additional withdrawals may reduce earnings and are subject to penalties | 4.00% | — | 4.00% | $400 |
Sources (1)
- ccfinancial.com/rates · captured Oct 5, 2026
Individual Retirement Account (IRA) Certificate
Up to 2.52%APY · 6 terms
Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.26% | $126 |
| 18 months | 1.36% | $205 |
| 24 months | 1.51% | $304 |
| 36 months | 2.02% | $618 |
| 48 months | 2.27% | $939 |
| 60 months | 2.52% | $1,325 |
Sources (1)
- ccfinancial.com/rates · captured Oct 5, 2026
Jumbo IRA Certificates
Up to 2.52%APY · 6 terms
Dividends paid quarterly. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.26% | — |
| 18 months | 1.36% | — |
| 24 months | 1.51% | — |
| 36 months | 2.02% | — |
| 48 months | 2.27% | — |
| 60 months | 2.52% | — |
Sources (1)
- ccfinancial.com/rates · captured Oct 5, 2026
Who can join Cornerstone Community Financial Credit Union
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.
Membership information collected October 5, 2026.