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Freedom Equity. Intro rates as low as 2.25%APR*

We understand the importance of flexibility when it comes to your finances. Freedom Equity is the smart choice when leveraging your home’s equity.


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Community-Cornerstone Celebrating WNY
Community Cornerstone Recipient for March

Pictured left to right: Freddy Garcia, Molly Mayers, Evette Phillips-Garcia, LeeMarie Cushman

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Community Cornerstone Recipient

On behalf of Cornerstone Community Federal Credit Union and 106.5 WYRK, we would like to congratulate this month’s Community Cornerstone winner, Evette Phillips-Garcia!

Evette is a loving mom, wife, and grandmother with an incredible heart for the homeless in our community. In 2003, Evette was a single mom of 4, with a daughter on the way when she suffered a workplace injury causing her to lose her child. The incident left Evette permanently disabled but she turned her tragedy into a passion to help the homeless. At the time, she was on welfare herself but managed to save 30 food stamps for food for the homeless sleeping under the Michigan St. bridge. This began her mission to feed the homeless and since then, Evette and her volunteers have fed almost 19,000 people. In 2013 she founded the non-profit We R Buffalo Strong where she and her volunteer team feed and clothe homeless men, women, children, and veterans in WNY. She was named a 2017 Humanitarian of the Year, a 2019 Red Cross Real Hero, and the recipient of the 2021 Women Touching The World Award.

 Evette, you have such an incredible heart and passion for your community, and you stand as an example to everyone around you! Congratulations on this well-deserved recognition!

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! 

Notice of 2023 Annual Meeting

 For the Members of Cornerstone Community Federal Credit Union

The 2023 Annual Meeting will be held on Sunday, April 23, 2023, at 2:00 p.m. at the CORNELL COOPERATIVE EXTENSION BUILDING located on the Niagara County Fairgrounds, 4487 Lake Avenue in Lockport, New York.

The Nominating Committee has selected three (3) nominees for vacancies on the Board of Directors. Elections are for three (3) three-year terms.  No nominations by petition have been received; therefore no election will be conducted by ballot and all three nominees will be elected to the open positions by the casting of one vote.  The nominees are A. Angelo DiMillo, David M. Nemi, and Lawrence C. Pease.  There will be no nominations from the floor at the Annual Meeting.

Refreshments will follow the meeting. 

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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