Cornerstone Community Financial Credit Union
Headquarters
2955 University Dr
Auburn Hills, MI 48326
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2024 Overview
General Credit Union Information
Cornerstone Community Financial is an NCUA insured institution located in Auburn Hills, MI. It was founded in 1951 and has approximately $416.71 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68641 |
| Date Established | 1951 |
| Assets | $416.71 million |
| Loans | $337.34 million |
| Deposits | $322.79 million |
| Capital | $51.59 million |
Field of Membership Restrictions
Cornerstone Community Financial CU of Michigan is open to anyone that does regular business in, business owners, residents, people maintaining employment, church members, and registered students in these Michigan Communities; Genesee, Jackson, Lapeer, Lenawee, Livingston, Macomb, Monroe, Oakland, St Clair, Washtenaw, and Wayne. Membership eligibility also extends to include the family members of CU members.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Cornerstone Community Financial
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Cornerstone Community Financial
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Branches
Below are Cornerstone Community Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Cornerstone Community Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 114.28 | A | View Lobby Hours | |
| 174.64 | B | View Lobby Hours | |
| 176.72 | C | View Lobby Hours | |
| 179.08 | D | View Lobby Hours | |
| 179.86 | E | View Lobby Hours | |
| 187.68 | F | View Lobby Hours |
Climate Policy and Initiatives
CORNERSTONE COMMUNITY FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Cornerstone Community Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Cornerstone Community Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Cornerstone Community Financial | U.S. Average |
|---|---|
| 10.21% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Cornerstone Community Financial had $4,901,552 in non-current loans and $508,414 in owned assets. To cover these potential losses it had $51,587,272 in net worth and $1,418,594 in loans loss reserves. That gives it a Texas Ratio of 10.21%.
Net Worth
| Cornerstone Community Financial | U.S. Average |
|---|---|
| 12.44% | 13.93% |
Cornerstone Community Financial FCU has a net worth of 12.44% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Cornerstone Community Financial
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