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Auto Loan rates as low as 2.00%APR*

Buy New, Used, or Refinance your existing auto loan with an auto loan from Cornerstone.

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

Bring comfort to your home with Freedom Equity, a new Home Equity Line of Credit.


Explore banking services, including checking and savings accounts.


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

Loan Payments

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.

Amherst Location Now Open!

We are thrilled to announce the opening of our new Amherst branch located at 315 Stahl Road in Getzville.  This branch becomes the sixth location for Cornerstone and the very first physical location in Erie County. Securing the Getzville location came out of a desire to expand our field of membership brought about by COVID-19. During the height of the pandemic, Cornerstone Community FCU served WNY small businesses by participating in the PPP (Paycheck Protection Program) disbursing approximately $8.5 million dollars and 144 loans to area business owners.  

We are looking forward to supporting small businesses with our robust Business Lending Program in addition to fulfilling our philanthropic goal of supporting community nonprofits through volunteering, fundraising, and sponsorships. 

If you live, work, worship, volunteer, or attend school in either Niagara or Erie County, you are eligible for a Cornerstone Membership.

View the full press release here.

Community-Cornerstone Celebrating WNY
Community Cornerstone Recipient for March

September Community Cornerstone Recipient

Cornerstone Community Federal Credit Union & Country 106.5 WYRK are proud to recognize Olivia Gonyea of North Tonawanda as September’s Community Cornerstone!

Cancer-free for eleven years, Olivia courageously battled Ewings Sarcoma, a form of bone cancer that she was diagnosed with at the age of eight.  Inspired by her own experience, she started the nonprofit “Olivia’s Bears” to support other children struggling with health conditions.  As a sign of hope, a symbol of love and support, Olivia’s Bears have donated over 100 build-a-bears to Oishei Children’s Hospital each year.  She hopes that the gifted bears remind the children that they are loved and cared for by many.  In addition, her foundation has grown to offer more to Oishei Children’s Hospital by donating storage units, toys for the playroom and offering an annual scholarship.  This nonprofit truly demonstrates Olivia’s sincereness and genuine approach to supporting those in need and makes her the perfect candidate and winner as this month’s Community Cornerstone!  Learn more about Oliva’s Bears here.

We are honored to donate $500 on your behalf to Olivia’s Bears!

In partnership with Country 106.5 WYRK and Russell’s Steaks, Chops & More, 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  $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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