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Auto Loan rates as low as 3.25%APR*

Love the car or truck you are driving but not the rate?  Buy New, Used, or Refinance your existing auto loan with Cornerstone.

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.

Business Banking Services

Experience the credit union difference.  Let Cornerstone be your Partner in Business.

Liberty Line of Credit | Commercial Real Estate
Term Loans | Deposit Accounts


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.

Community-Cornerstone Celebrating WNY
Community Cornerstone Recipient for March

Pictured left to right: Loretta Piaskowski, Shawn Highway, Brian Lenhart, Tanya Smith

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Community Cornerstone Recipient

Congratulations to this month’s Community Cornerstone winner, Shawn Highway! 

Shawn was nominated for this community award for his passion and commitment to our community. Shawn is a local HVAC tech and teacher at BOCES, but what truly makes Shawn special is his advocacy for the underserved. During his off hours, he regularly provides heating and air conditioning to his neighbors and those in need. In addition, Shawn volunteers his time throughout the holiday season by providing meals to members of our community and playing Santa – a passion of his to give families in need a memorable holiday season. Whether money, food, or any other necessity, Shawn is always the first to step in and help – never saying no to the opportunity to serve others. On behalf of Shawn’s community advocacy and support, he will receive a $100 gift card to BriteSmith Brewing along with a $500 donation to his favorite cause, Hope Before Heaven, proudly donated by Cornerstone Community Federal Credit Union.

In partnership with Country 106.5 WYRK and BriteSmith Brewing, 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! 

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.

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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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