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9, 13 & 15 Month Certificates at 5.25% APY*

Open a certificate today and let your money work for you! Terms and conditions apply.

Get Your Golden Ticket!

 Skip the attorney fees and closing costs with a one-time rate adjustment during your 30-year fixed-rate mortgage. Terms & conditions apply.

Earn More with Community Checking!

Earn up to 4.10%APY* with our new, high-yield personal checking account available to new and current members! Terms & conditions apply.


Explore banking services, including checking and savings accounts.


Find financing for your auto, home, debt consolidation and more at Cornerstone.

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Make payments on your Cornerstone loan securely and conveniently online.

About Us

It’s easy to apply for a loan in person, online or using our 24/7 phone system.

Community-Cornerstone Celebrating WNY
Community Cornerstone Recipient for March

Pictured left to right: Kaitlyn Nye, Loretta Piaskowsi, Bonnie Birkmeyer, Domenic Vero 

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Community Cornerstone Recipient

On behalf of Cornerstone Community Federal Credit Union, 106.5 WYRK, 93.7 WBLK, and YOLO Restaurant Lounge, we would like to congratulate this month’s Community Cornerstone winner, Bonnie Birkmeyer!

Bonnie runs the Lockport Care Net Pregnancy Center where they provide formula, diapers, clothing, and other essentials for those in need. They also have a Blessing Box for the community to drop off items to donate, or take what they need if necessary. Bonnie and the center also have counselors available for those who need assistance. 

Congratulations, Bonnie, on this well-deserved recognition. We thank you for all you do for our community!

In partnership with Country 106.5 WYRK, we are seeking nominations to reward an individual’s passion for our community. Our monthly winner will receive a $500 donation to the winner’s favorite cause, and a $100 dinner gift certificate to celebrate! Think of a worthy recipient and nominate them for the Community Cornerstone! 

Become an owner today!

As a member of Cornerstone, you are given the attention and care as an owner, not a customer.  Since we are a nonprofit and centered around serving, your financial success is our goal.  Our members have access to some of the lowest loan rates and fees in our area and a digital experience that will bring more financial freedom to your life.  Before opening an account at a bank, check with Cornerstone.

Becoming a member is easy.  If you live, work, worship, or volunteer in Niagara or Erie County, you are eligible for a Cornerstone membership.

Join Cornerstone and experience the credit union difference today.

Wherever you go, take Cornerstone with you!

The Cornerstone app is a free mobile app that allows you to do your banking from the convenience of your Android™ or Apple® device.

  • Access your accounts to check balances and manage your money
  • Transfer money between your accounts
  • Deposit checks instantly using the camera on your mobile device
  • Locate the nearest ATM
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Current Rates

Cornerstone CFCU offers great, competitive rates for mortgages, auto loans, personal loans and more. Check out our current rates and see how you can save.

Credit Card

Rates as low as




Rates as low as



Share Certificate

Rates as high as



Personal Loan

Rates as low as



Home Equity Line of Credit

Intro Rate as low as



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Our Trusted Partners

Cornerstone Community Federal Credit Union members can take advantage of discounted services through a number of different partners. Find out more about partner benefits available to you.

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