Cornerstone VISA Credit Card
A Card That’s Convenient, Affordable and Easy for Members
The Cornerstone VISA® credit card offers Cornerstone CFCU members preferred rates and no annual fees. If you’re looking for a way to pay off high-interest balances and consolidate your credit cards, the Cornerstone VISA® can be one option to help you manage your credit and offer you an option for payments anywhere VISA is accepted.
VISA® Customer Service
Cornerstone has a 24-hour automated service to help with basic VISA® questions. Report a lost or stolen card, check available credit or review your purchases by calling (877) 221-5265.
You Have Options
To suit your needs, we offer a variety of VISA® cards:
| Card | Rate | Credit Limit | Annual Fee |
| VISA® Platinum | 7.90% APR* | Up to $15,000 | No |
| VISA® Gold | 8.90% APR* | Up to $10,000 | No |
| VISA® Classic | 9.90% APR* | Up to $5,000 | No |
| Share Secured VISA® | Varies | Based on amount on deposit at CCFCU | No |
| Student VISA® | 9.90% APR* | Up to $750 | No |
VISA® Platinum
If you’re a member over 18 years of age with an excellent credit history, you may be eligible for our VISA® Platinum card. It offers low rates with no annual fee.
Features include:
- $10,000 – $15,000 credit limit
- Higher credit limit accessible for emergencies, vacations and household needs
- Pay off balances in full or with low monthly payments
- Low cost credit, life and disability insurance
- Ability to consolidate your credit cards in order to have a low monthly payment at a low rate
- Rewards Program – every purchase earns you Bonus Points toward gifts and travel rewards
- Concierge services
- Warranty manager
- Free auto rental insurance provided at no cost when VISA® Platinum is used at rental dealer
- Free $1,000,000 travel accident insurance on a common carrier fare when you purchase your ticket with your Cornerstone Platinum card
- 24 hour/7 days a week availability of a world-wide toll-free customer, travel and emergency service line
VISA® Platinum cardholders also enjoy the exclusive benefits of UChoose Rewards. Simply use your card at gas stations, supermarkets, drug stores, malls or anywhere else. Remember to sign for your purchases to earn the most points. The more you shop and sign, the more you earn and the more you are rewarded. Click here to access UChoose Rewards.
VISA® Gold, Classic and Share Secured
Each card offers you these great Cornerstone VISA® benefits:
- Low interest rate
- No annual fee
- Pay off balances in full or with low monthly payments
- Free travel accident insurance when you purchase your ticket on a common carrier using your Cornerstone VISA card
- Purchasing power and advantages of VISA®
- 24 hour/7 days a week availability of a world-wide toll-free customer, travel and emergency service line and warranty manager (Gold card holders only)
Credit Limits
VISA® Gold $5,000 – $10,000 credit limit
VISA® Classic $500 – $5,000 credit limit
Share Secured VISA® – credit limit based on amount on deposit at Cornerstone
Student VISA®
Start building your credit with the convenience and flexibility of our Classic Cornerstone Student VISA® card. Available for full-time college students ages 18 and up, a Cornerstone Student VISA® card gives you added advantages.
- A manageable credit line up to $750
- A low rate that keeps your monthly payments easy to manage
- An interest-free grace period for paying off your purchase balances
- No annual fee
To apply for a Student VISA®, call (716) 433-0063.
Card Valet
You know how great Card Valet is when protecting your Debit Card. Now that same great product is available for your credit cards as well! With Card Valet you can turn your card on and off, set up alerts, set control preferences, review transactions and more. Download the Card Valet app from Google Play or the App Store and start taking advantage of this free service today.
*Annual Percentage Rate, all cards subject to credit approval and 1% Foreign Transaction Fee
Our Branch Locations
Main Office
6485 S. Transit Road
Lockport, NY 14094
(716) 434-2290
(800) 488-6481
Member Service & Lending
by appointment only
Mon.–Thurs. 9 a.m. to 5 p.m.
Friday - 9 a.m. to 6 p.m.
Saturday - 9 a.m. to 1:00 p.m.
Drive-up window opens at
8 a.m. Mon.-Fri.
24-hour drive-up ATM
Amherst
315 Stahl Road
Getzville, NY 14068
(716) 688-2698
Member Service & Lending
by appointment only
Mon.–Thurs. 9 a.m. to 5 p.m.
Friday - 9 a.m. to 5 p.m.
Drive-up window opens at
9 a.m. Mon.-Fri.
24-hour drive-up ATM
Lockport
5810 S. Transit Road
Lockport, NY 14094
(716) 434-2290
Member Service & Lending
by appointment only
Mon.-Thurs. 9 a.m. to 5 p.m.
Friday - 9 a.m. to 5 p.m.
Drive-up window opens at
9 a.m. Mon.-Fri.
24-hour drive-up ATM
Middleport
5 State St.
Middleport, NY 14105
(716) 735-7004
Member Service & Lending
by appointment only
Mon.–Thurs. 9 a.m. to 5 p.m.
Friday - 9 a.m. to 5 p.m.
Drive-up window opens at
9 a.m. Mon.-Fri.
24-hour drive-up ATM
Niagara Falls
4255 Witmer Road
Niagara Falls, NY 14305
(716) 754-2950
Member Service & Lending
by appointment only
Mon.-Thurs. 9 a.m. to 5 p.m.
Friday - 9 a.m. to 5 p.m.
Drive-up window opens at 9 a.m. Mon.-Fri.
24-hour drive-up ATM
North Tonawanda
107 Main St.
North Tonawanda, NY 14120
(716) 694-0295
Member Service & Lending
by appointment only
Mon.–Thurs. 9 a.m. to 5 p.m.
Friday - 9 a.m. to 5 p.m.
Drive-up window opens at 9 a.m. Mon.-Fri.
24-hour walk-up ATM
Federally Insured by the NCUA
Non-Cornerstone Community Federal Union links are provided as a service to members and are not owned or controlled by Cornerstone Community Federal Credit Union. If the member chooses to leave the credit union's site and link to an alternative site not operated by the credit union; the credit union is not responsible for the content on the alternative site. Cornerstone Community Federal Credit Union is not endorsing or guaranteeing the products, information, or recommendations provided by linked sites and is not liable for any failure of products or services advertised on those sites. Linked sites privacy and security policies may be different than those practiced by Cornerstone Community Federal Credit Union and may be less secure than the Cornerstone Community Federal Credit Union website.
If you are using a screen reader or other auxiliary aid and are having problems using this website, please call us at 716-434-2290 for assistance. All products, services and information available on this website are also available at our physical branches, where we would be happy to assist you further.