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Unlock with the Rock – Get reduced penalty certificates at 4.00% APY*.

Secure a great rate with our 3-year certificates and watch your savings grow with a solid 4.00% APY*.

Unlock Savings

Why Choose Us

At Cornerstone, you’re not just a customer—you’re an owner. Unlike traditional banks that may sell your accounts to other institutions, our members have a voice in how we operate and share in the success of the credit union.

Make the switch today to experience the benefits of ownership and enjoy better service, lower fees, and a stronger sense of community. Don’t wait until your account is no longer under your control—join us and take full advantage of what membership has to offer.

Freedom Equity

Home Equity Line of Credit
3.99% APR*
12-month introductory rate

Business Banking Services

Become a Business Member

Community Checking

Earn 5.25%APY*
on balances up to $10,000

Our Rates

Credit Card

rates as low as
7.90%
APR*

Auto

rates as low as
5.54% APR*
APR*

Home Equity

rates as low as
3.99% APR*
12-Month Intro Rate

Share Certificate

rates as high as
4.00%
APY*

Personal Loan

rates as low as
9.99% APR*
APR*

Mortgage

rates as low as
5.8%
APR*

Cornerstone Community Day

    FREE First Time Home Buyer Seminar

    Join us for our 3rd Annual Cornerstone Community Day!

    Saturday, August 23, 2025 at the Kenan Center in Lockport.

    This annual event is a celebration of families, local businesses, and nonprofit organizations that make our community thrive.

    Community Day Details

    Locations

    Main Office

    6485 S. Transit Road
    Lockport, NY 14094

    716.434.2290
    800.488.6481

    Get Directions
    View Main Office

    Amherst Branch

    315 Stahl Road
    Getzville, NY 14068

    716.434.2290

    Get Directions
    View Amherst Branch

    Lockport Branch

    5810 S. Transit Road
    Lockport, NY 14094

    716.434.2290

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    View Lockport Branch

    Middleport Branch

    5 State St.
    Middleport, NY 14105

    716.434.2290

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    View Middleport Branch

    Niagara Falls Branch

    4255 Witmer Road
    Niagara Falls, NY 14305

    716.434.2290

    Get Directions
    View Niagara Falls Branch

    North Tonawanda Branch

    107 Main St.
    North Tonawanda, NY 14120

    716.434.2290

    Get Directions
    View North Tonawanda Branch

    Blogs and News

    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 67 years!

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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.

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