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Online Banking Become A Member

Borrow 100% of your home’s value at 3.49% APR* for 12 months.

Freedom Equity, Home Equity Line of Credit

Cool Grandmas wearing green jacket and pointing at you.

Borrow 100% of your home’s value at 3.49% APR* for 12 months.

Freedom Equity, Home Equity Line of Credit

Grandma Knows. And She’s Right.

Some things never change – like the value of good advice and a strong community. Cool Grandma understands that real financial confidence doesn’t come from flashy promises. It comes from ownership, transparency, and people who put members first.

At Cornerstone, you’re not just a customer – you’re an owner. Your money stays here. Your voice matters. And your membership strengthens the entire community.

That’s not just trendy. That’s smart banking.

Make the Switch to Membership

Our Rates

Credit Card

rates as low as

Auto

rates as low as

Home Equity

introductory rate is

APR* for the
first 12-Months*

Share Certificate

rates as high as

Personal Loan

rates as low as

Mortgage Rates

Current Mortgage Rates

View our Current Rates

Cornerstone IN THE Community

New Branch

Cornerstone Community Federal Credit Union is proud to announce plans to open its seventh branch location in the City of Lockport, further strengthening its long-standing commitment to the community it has called home for nearly seven decades. The new branch, located at 118 Walnut Street, is scheduled to open in late winter/early spring 2026.

Locations

Main Office

6485 S. Transit Road
Lockport, NY 14094

716.434.2290
800.488.6481

View Main Office

Amherst Branch

315 Stahl Road
Getzville, NY 14068

716.434.2290

View Amherst Branch

Lockport Branch

5810 S. Transit Road
Lockport, NY 14094

716.434.2290

View Lockport Branch

Middleport Branch

5 State St.
Middleport, NY 14105

716.434.2290

View Middleport Branch

Niagara Falls Branch

4255 Witmer Road
Niagara Falls, NY 14305

716.434.2290

View Niagara Falls Branch

North Tonawanda Branch

107 Main St.
North Tonawanda, NY 14120

716.434.2290

View North Tonawanda Branch

City of Lockport Branch

118 Walnut Street
Lockport, NY 14094

View City of Lockport Branch

Coming Soon!

Blogs and News

March 31, 2026
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Savings benchmarks can be useful, but the more important question is whether you are building enough cushion to handle real…
March 30, 2026
Income Differences Across the Country
Income comparisons can be useful, but they make a lot more sense when you account for cost of living, household…
March 30, 2026
National Debt: Who Owes What?
Debt is common, but the more important question is not whether you have debt - it is whether your debt…

Members and Community Come First

Very professional, friendly teller and helpful. It's a delight doing business with cornerstone.

Ronald B.

I want to thank Cornerstone"s real estate department for guiding me through a loan request. Everyone that I spoke to was by far the most helpful personel of any financial institution.

John M.

Cornerstone really cares about their members & the quality of their lives. Cornerstone is so unique. They have empathy for members that is rare in the banking system. I love them cornerstone bank rocks!

Allyson A.

serving WNY for 68 years!

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Members

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Locations

Access your Cornerstone account at more than 5,000 branches nationwide!

Find A Location Near You

Cornerstone CFCU also provides members with access to more than 5,000 shared branch locations across the country through a network of CO-OP credit union partners. Cornerstone members can visit these CO-OP locations to cash checks, make payments, withdrawals, transfers or loan payments, and purchase money orders just as they could at any Cornerstone branch location.