Select Page

About Us

Eric Hepkins

Eric M. Hepkins

Chief Executive Officer

Cornerstone is a credit union/financial cooperative that has been serving Western New York since 1957. We began as Unit No. 1 Federal Credit Union, serving the employees of Harrison Radiator Division of General Motors. Anyone who lives, works, worships, goes to school or volunteers in Niagara or Erie County can join our credit union.

Our loyal members have given us a solid reputation for personal service and for providing the best financial value possible. Over the years we have grown to serve over 46,000 members at five branches. But we have never lost sight of what is important – taking care of people. Open an account today and experience the credit union difference for yourself.


Our Mission

We are a community-owned organization that is committed to contributing to the overall economic growth of Western New York through the development of products and services that empower our members to meet their financial goals.

The Future of Banking is Here

At Cornerstone, we’re dedicated to providing the latest technologies and conveniences to our members to allow them to manage their accounts on their devices and their schedule. That’s why we offer online home banking, a mobile app, phone services and much more to accommodate the needs of every member of every age. 

Discover the Credit Union Difference

Credit unions are different from traditional banks and offer a range of benefits for members. Discover the credit union difference today at Cornerstone CFCU.

Member Testimonials

I was a life time customer of Farmers and Mechanics Bank of Niagara County which became Lockport Savings and in the end First Niagara Savings Bank. As I witnessed their growth and eventually going public and selling stocks I felt my worth diminishing at each step. Because of dedication and a strong focus on customer service I have never lost sight of the fact that here at Cornerstone Federal Credit Union I am a member, not just a customer. Thanks again for standing by me, even when I was getting out of sorts over this incident, and for treating me as a fellow member. PS: Money back in my account by the end of business today, just like you said!

Raymond, Member Since 2014

You know what they say: if it ain't broke, don't fit it. When I started working at Harrison Radiator, my fellow workers started encouraging me to join the credit union. So I did – and I haven’t regretted it once. Cornerstone has given me over 40 years of satisfaction.

Ronal, Member Since 1977

We absolutely love Cornerstone; they’re not a corporate bank. They’re a community partner that gives back to the community. They helped us launch our kennel; we started out as a small family business. Initially our intention was to board animals. Since then we have tripled in size and have added services.

Herb & Eleanor, Business Members Since 2008