Credit union · NCUA insured
Cornerstone Credit Union CD Rates
Cornerstone Credit Union’s best CD rate is 4.40% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Cornerstone Credit Union’s CD rates compare
Compared with banks and credit unions near Rockford, IL, where Cornerstone Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cornerstone Credit Union
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
Certificate of Deposit
Top rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
3rd-highest rate
Consumers Credit Union
4.35%APY
- Term
- 7 months
- Minimum
- $250
- Earns on $10,000
- $251
Cornerstone Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo1.58%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo2.00%
- 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 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 · 8 terms
Deposits are federally insured up to $250,000 by the NCUA with an additional $250,000 private insurance by ESI ($500,000 total). Penalties apply for early withdrawals.
| Term | APY · $1,000 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months90-Day term. Simple interest paid at maturity. Penalty for early withdrawals on original deposit amount | 1.00% | — | — | 1.00% | $25 |
| 6 months180-Day Jumbo term for deposits $100,000+. Simple interest paid at maturity. Penalty for early withdrawals on original deposit amount | — | — | 2.00% | —2.00% from $100k | — |
| 6 months180-Day term. Simple interest paid at maturity. Penalty for early withdrawals on original deposit amount | 1.58% | — | — | 1.58% | $79 |
| 11 months11-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 4.25% | — | — | 4.25% | $389 |
| 12 months12-Month Jumbo term for deposits $100,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | — | 3.70% | —3.70% from $100k | — |
| 12 months12-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 3.60% | — | —3.60% from $20k | — |
| 12 months12-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 3.50% | — | — | 3.50% | $350 |
| 24 months24-Month Jumbo term for deposits $100,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | — | 4.40% | —4.40% from $100k | — |
| 24 months24-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 4.40% | — | —4.40% from $20k | — |
| 24 months24-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 4.40% | — | — | 4.40% | $899 |
| 36 months36-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 2.20% | — | —2.20% from $20k | — |
| 36 months36-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 2.00% | — | — | 2.00% | $612 |
| 48 months48-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 1.85% | — | —1.85% from $20k | — |
| 48 months48-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 1.75% | — | — | 1.75% | $719 |
| 60 months60-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 1.95% | — | —1.95% from $20k | — |
| 60 months60-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 1.85% | — | — | 1.85% | $960 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.40%APY · 8 terms
Available for Traditional and Roth IRAs. No setup or annual maintenance fees. Subject to IRS contribution rules and early withdrawal penalties.
| Term | APY · $1,000 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months90-Day term. Simple interest paid at maturity. Penalty for early withdrawals on original deposit amount | 1.00% | — | — | 1.00% | $25 |
| 6 months180-Day Jumbo term for deposits $100,000+. Simple interest paid at maturity. Penalty for early withdrawals on original deposit amount | — | — | 2.00% | —2.00% from $100k | — |
| 6 months180-Day term. Simple interest paid at maturity. Penalty for early withdrawals on original deposit amount | 1.58% | — | — | 1.58% | $79 |
| 11 months11-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 4.25% | — | — | 4.25% | $389 |
| 12 months12-Month Jumbo term for deposits $100,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | — | 3.70% | —3.70% from $100k | — |
| 12 months12-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 3.60% | — | —3.60% from $20k | — |
| 12 months12-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 3.50% | — | — | 3.50% | $350 |
| 24 months24-Month Jumbo term for deposits $100,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | — | 4.40% | —4.40% from $100k | — |
| 24 months24-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 4.40% | — | —4.40% from $20k | — |
| 24 months24-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 4.40% | — | — | 4.40% | $899 |
| 36 months36-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 2.20% | — | —2.20% from $20k | — |
| 36 months36-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 2.00% | — | — | 2.00% | $612 |
| 48 months48-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 1.85% | — | —1.85% from $20k | — |
| 48 months48-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 1.75% | — | — | 1.75% | $719 |
| 60 months60-Month term for deposits $20,000+. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | — | 1.95% | — | —1.95% from $20k | — |
| 60 months60-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount | 1.85% | — | — | 1.85% | $960 |
Sources (2)
All captured Oct 6, 2026
Who can join Cornerstone Credit Union
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