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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.

Auto Loan rates as low as 2.00%APR*

Own the Road and Accelerate Your Savings.

Recreational Vehicle Loans as low as 4.25%APR*

Instant online approval in a matter of seconds for a new boat, jet ski, RV, motorcycle, ATV, and more!


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 from left to right: 
Nicole, Roxanne, Loretta, Lee Pierce, Drew, and Ashleah 

April Community Cornerstone Recipient

Cornerstone Community Federal Credit Union & WYRK are proud to recognize Lee Pierce, Director of Strategic Planning at Reach Academy as April’s Community Cornerstone recipient!  Lee received several nominations from his colleagues for the Community Cornerstone award for his selfless acts that he consistently demonstrates inside and outside of Reach Academy.  Making himself available at all hours of the day, Lee goes above and beyond for his team, scholars, and families.  He is passionate and committed to building meaningful relationships with families and offering genuine care for their well-being.  Throughout the pandemic, Lee would visit Reach scholars at home, school supplies in hand, and be there to offer emotional support.  He is a source of encouragement and inspiration to all and seeks out the best in everyone he encounters. Congratulations Lee!  As a thank you for making such a positive impact in the WNY Community, Cornerstone Community Federal Credit Union is honored to make a $500 donation to Lee’s favorite nonprofit, Wisdom Farms.  Their mission is to foster and create environments and experiences that promote healing and a return to wellness for animals and individuals. To learn more about Wisdom Farms here.

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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