Certificates

11-Month Certificate

Deposit $500 or More

Offer available for new money and money already on deposit at Cornerstone.

Earn 4.15% APY

Dividends earned at maturity. Early withdrawal penalty equal to 11 months of dividends applies.

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Or, visit a branch to open in person.

Personal Certificates

  • APY as high as 4.15%
  • Best rate compared to savings and money market accounts
  • Terms from 3 to 48 months

Open a new account or view rates.

IRA Certificates

  • APY as high as 4.00%
  • Penalty-free withdrawals starting at age 59 1/2
  • Terms from 3 to 48 months

Open in branch or view rates.

Business Certificates

  • 3.65% APY for 6-month term
  • 3.90% APY for 12-month term
  • Minimum balance of $25,000

Open in branch or view rates.

Early withdrawal penalty may apply and is based on certificate term. Penalty equal to 90 days of dividends if 12 months or less; 180 days of dividends if longer than 12 months; or expected dividends earned over term on promotional certificates.