Credit union · NCUA insured
Cornerstone Community Financial Credit Union Savings Rates
Top CarrotCornerstone Community Financial Credit Union’s best savings rate is 0.05% APY on $10,000, with its Rainy Day Savings. Rates checked October 16, 2026.
How Cornerstone Community Financial Credit Union’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $5
Rainy Day Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Cornerstone Community Financial Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 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.
Rainy Day Savings
0.05%APY
No minimum deposit to open. Minimum balance of $50 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance of $50 required to earn dividends.$50 and up | 0.05% | $5 | Minimum balance of $50 required to earn dividends. |
Regular Savings
0.05%APY
Start with as little as $1. Minimum balance of $50 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance of $50 required to earn dividends.$50 and up | 0.05% | $5 | Minimum balance of $50 required to earn dividends. |
Round-Up Rewards Savings
0.05%APY
Enables rounding up Cornerstone debit card purchases to nearest dollar with transfer from checking to savings. Purchases completed with PIN are not eligible. 25% match in first month and 5% match every month after, deposited quarterly. Requires Rewards Checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance of $50 required to earn dividends.$50 and up | 0.05% | $5 | Minimum balance of $50 required to earn dividends. |
Special-purpose accounts
Young Adult High-Yield Savings Account
0.05%APY
Available to members ages 18-25 (converts to a Money Market account at age 25/26). Tier 1 APY of 3.15% applies to balances up to $5,000; standard APY of 0.05% applies to balances in excess of $5,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Available for members ages 18-25. Rate applies to balances up to $5,000. | 3.15% | — | Available for members ages 18-25. Rate applies to balances up to $5,000. |
| $5,000 and upStandard APY applies to balance in excess of $5,000. | 0.05% | $5 | Standard APY applies to balance in excess of $5,000. |
Youth High-Yield Savings Account
0.05%APY
Available to members ages 0-17. Account converts to a Young Adult High-Yield Savings Account at age 18. Tier 1 APY of 3.15% applies to balances up to $1,000; standard APY of 0.05% applies to balance in excess of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Available for members ages 0-17. Rate applies to balances up to $1,000. | 3.15% | — | Available for members ages 0-17. Rate applies to balances up to $1,000. |
| $1,000 and upStandard APY applies to balance in excess of $1,000. | 0.05% | $5 | Standard APY applies to balance in excess of $1,000. |
IRA Share
0.10%APY
Offered as Traditional and Roth IRAs. No setup fees, no monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10 to earn dividends.$10 and up | 0.10% | $10 | Minimum balance of $10 to earn dividends. |
Holiday Share Savings
0.05%APY
Unlimited deposits allowed. Cash withdrawals begin October 15. Minimum balance of $50 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance of $50 required to earn dividends.$50 and up | 0.05% | $5 | Minimum balance of $50 required to earn dividends. |
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.