Important Notice: Scheduled Maintenance

Our systems will be undergoing scheduled maintenance on Sunday, January 18, 2026, from 1:00 AM to 7:00 AM EST. During this time, online, mobile, and audio banking, as well as ATM services, may experience a temporary disruption. We thank you for your patience and apologize for any inconvenience this may cause.

Become A Member

Join Cornerstone and Experience the Credit Union Difference

Joining a Credit Union Is Easy

Becoming a member is easy!  Just click on “Open an Account Online” to get started or visit one of our six locations. You’ll need a minimum deposit of $5 and two forms of identification, including one with a photo. Anyone who lives, works, worships, volunteers, or goes to school in Niagara or Erie County can join!

Open an Account Online

Personal Loan, Auto Loan and Credit Card

Unlock incredible savings on personal loans, auto loans, and credit cards—your financial freedom starts here.

Apply Now

Freedom Equity Home Equity Line of Credit

Tap into the equity you’ve built in your home to finance renovations, consolidate debt, or achieve your financial goals with confidence and peace of mind.

Apply Now

Home Mortgage

Make homeownership a reality with our low-rate mortgages tailored just for you. 

Learn More

Business Loans

Our lending products are tailored to help your business grow, adapt, and succeed at every stage. Whether you need a flexible line of credit to manage cash flow, a term loan for business expansion, or financing for commercial real estate, we provide competitive rates and personalized solutions.

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ALERT:
Scammers posing as Cornerstone employees are calling or texting regarding suspicious activity or account issues. We never ask for login info, PINs, card numbers, or codes. Hang up and call Cornerstone directly.
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