Credit union · NCUA insured
Cornerstone Credit Union
A $178M credit union headquartered in Freeport, IL, with 12,352 members and 3 branches in Illinois. Best rates: CDs 4.40% and savings 0.20% APY.
Cornerstone Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#13 of 23 in Rockford, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cornerstone Credit Union
- Headquarters
- 550 W Meadows Dr, Freeport, IL 61032-7610
- NCUA charter
- 60189
Branches
3 branches in Illinois
Loading map…
Illinois
3 branches
Freeport area · 1
- Cornerstone Credit UnionMain office550 W Meadows Dr, Freeport, IL 61032Directions
Rockford area · 1
- Cornerstone Credit Union640 Blackhawk Blvd, South Beloit, IL 61080Directions
Sterling area · 1
- Cornerstone Credit Union615 W 3rd St, Sterling, IL 61081Directions
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 | 9.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.50% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio9.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.50%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.