Credit union · NCUA insured
Cornerstone Credit Union Savings Rates
Cornerstone Credit Union’s best savings rate is 0.20% APY on $10,000, with its Insured High Yield Money Market. Rates checked October 16, 2026.
How Cornerstone Credit Union’s savings 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
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Insured Money Market
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Cornerstone Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0001.90%
- QualifiedQualified0.20%
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 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.
Insured High Yield Money Market
0.20%APY
Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.20% | $20 | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $50,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.70% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $100,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 1.90% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $250,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 2.50% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $500,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 2.75% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
Sources (2)
All captured Oct 6, 2026
Insured Money Market
0.20%APY
Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.20% | $20 | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $20,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.40% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $75,000 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.95% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
Sources (2)
All captured Oct 6, 2026
Personal Savings
0.10%APY
Regular savings accounts require an initial deposit of $25 and represent ownership/share in Cornerstone Credit Union. Dividends are compounded daily and paid quarterly. Minimum balance requirements apply to average daily balance to earn stated dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly.$25 and up | 0.10% | $10 | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly. |
Sources (2)
All captured Oct 6, 2026
Secondary Savings
0.10%APY
Multiple savings accounts can be set up within the same membership. Dividends are compounded daily and paid quarterly. Minimum balance requirements apply to average daily balance to earn stated dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly.Over $0 | 0.10% | $10 | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Holiday Club
Up to 2.75%APY
No service fee or minimum balance. Join any time with no make-up deposits required. Dividends are compounded daily and paid quarterly. Funds are automatically deposited to primary savings account on November 1. Minimum balance requirements apply to average daily balance to earn stated dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. | 0.25% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. |
| $100 – $250Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. | 1.50% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. |
| $250 – $500Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. | 2.50% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. |
| $500 – $2,500Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. | 2.75% | — | Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. No service fee or minimum balance to open. |
Sources (2)
All captured Oct 6, 2026
IRA Money Market
Up to 0.50%APY
Traditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Traditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.20% | $20 | Traditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $2,500 and upTraditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.50% | $50 | Traditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $20,000 and upTraditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 0.65% | — | Traditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
| $75,000 and upTraditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. | 1.50% | — | Traditional and Roth IRAs. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month. |
Sources (1)
- cornerstonecu.org/rates · captured Oct 6, 2026
C.U. CA$H® Kids Club
0.10%APY
Kids age 12 and under are eligible / automatically enrolled. Account is opened in the child's name under the child's SSN with an adult (age 18+) as joint owner. Can open with a $5 deposit, with 1 year to bring balance to the $25 minimum. Dividends are compounded daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFor kids age 12 and under. Opened with a $5 deposit, with 1 year to bring the balance to the $25 minimum. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly.$5 and up | 0.10% | $10 | For kids age 12 and under. Opened with a $5 deposit, with 1 year to bring the balance to the $25 minimum. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends compounded daily and paid quarterly. |
Sources (3)
- cornerstonecu.org/banking/personal/deposit-accounts.aspx
- cornerstonecu.org/promo-landin…uth-savings-account.aspx
- cornerstonecu.org/rates
All captured Oct 6, 2026
Who can join Cornerstone Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.