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CCFCU Accounts
CCFCU Accounts At Cornerstone Community FCU, we offer a variety of accounts that make managing your day-to-day finances easier and help build your savings to reach your financial goals. To find out how much you'll need to save to reach a specific objective, use our convenient savings calculator.
Savings Account

This account is the key that unlocks all your Cornerstone Community FCU member benefits. Just a $5 deposit opens your account and establishes your membership.
Click here to request our Savings brochure by mail.

Features and Benefits

  • Opens the door to all your Cornerstone Community FCU benefits for only $5
  • Pays competitive dividends on balances of $50 or more
  • Helps you save for important goals with the option of convenient Direct Deposit

Extra Conveniences

  • 24-hour ATM access at thousands of automated teller machine locations worldwide
  • Telephone access to your account with CURTIS
    (Credit Union Remote Telephone Information System)
  • Computer access from your home or office with OASIS
    (Online Account Status and Information System)

 

Checking Account

You'll enjoy all the convenience of a checking account with none of the fees and extra costs that a bank would likely charge you. Click here to request our Checking brochure by mail.

Features and Benefits

  • No monthly maintenance fees or per check charges
  • No minimum balance requirements
  • Unlimited check-writing privileges
  • Convenient Direct Deposit services that guarantee your money is ready and waiting each payday
  • Overdraft privileges saves you the expense and embarrassment of having your checks returned

Extra Conveniences

  • 24-hour ATM access at thousands of automated teller machine locations worldwide
  • Telephone access to your account with CURTIS
    (Credit Union Remote Telephone Information System)
  • Computer access from your home or office with OASIS
    (Online Account Status and Information System)

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Click here to order checks

 

Member Plus Checking

Earn FREE dividends, receive Special Travel Savings, get CASH BACK with Everyday Rebate Rewards, and more!

Cornerstone Community Federal Credit Union is pleased to offer Member Plus Checking. You will receive incredible savings and financial advantages for only $5 per month. With this membership, you'll enjoy advantages like FREE travelers checks, FREE money orders, FREE official checks, FREE ATM/Debit Card Replacement, $50 rebate on New Closed End Consumer Loans (minimum $7,500), FREE CURTIS Telephone Banking and OASIS Home Banking, Overdraft privileges and more!

Joining is easy! Just ask us. You can enroll as a member in minutes. As a member, you'll automatically receive new benefits as they are added to your program. Click here to see more of the advantages you'll receive with Member Plus Checking.

 

Share Certificate

With a Share Certificate, you may earn higher dividend rates on your savings by locking in a rate for a specific period of time. Click here to request our Share Certificate brochure by mail.

Features and Benefits

  • Open with a deposit of just $500
  • You may earn higher dividend rates than with your savings account
  • Have your monthly dividends reinvested into your Share Certificate, credited to your Cornerstone
  • Community FCU Share Account, or mailed to you directly each month
  • Choose from a variety of account terms to meet any need

Certificate Terms*

  • 91 days
  • 6 months
  • 1 year
  • 2 years
  • 3 years
  • 4 years
  • 5 years

    * Penalty fees apply for early withdrawal
Money Market Account

You'll earn higher dividends on your savings balances of $2500 or more to help you reach your financial goals more quickly. Click here to request our Money Market brochure by mail.

Features and Benefits

  • Make unlimited withdrawals with no penalty
  • Earn higher dividend rates than with traditional savings accounts
  • Convenient Direct Deposit makes building your savings extra easy

Extra Conveniences

  • Telephone access to your account with CURTIS
    (Credit Union Remote Telephone Information System)
  • Computer access from your home or office with OASIS
    (Online Account Status and Information System)

 

Individual Retirement Accounts (IRA)

An IRA is an ideal way to supplement your current pension plan and build your retirement nest egg.
Click here to request our IRA brochure by mail.

Features and Benefits

  • No minimum amount required to open your account
  • Competitive dividends are credited quarterly and paid on balances of $50 or more
  • Interest is tax-deferred*, so you won't pay taxes on your earnings until you receive
    disbursements
  • Funds grow tax-free* until you begin to receive your money
  • Convenient Direct Deposit makes building your retirement savings extra easy

IRAs for Specific Needs

  • Roth IRA lets you take qualified tax-free* distributions after just five years. This non-deductible account lets you make tax-free withdrawals if: you've reached age 59 1/2; you have a permanent disability; you're making a first-time home purchase; or a joint accountholder is making a withdrawal in the event of your death.
  • Education IRA helps you save to send your child to college. This non-deductible account builds your earnings tax-free* and allows you to make tax-free withdrawals if you use the money for higher education expenses.

* Consult your tax advisor for specific details.

 

Club Accounts

A Holiday or Vacation Club Account helps you build dedicated savings for holiday shopping or a special vacation. Click here to request our Savings brochure by mail.

Features and Benefits

  • Regular, systematic deposits ensure you have the money you need
    — when you need it
  • Competitive dividends paid on balances of $50 or more
  • Convenient Direct Deposit makes building your savings extra easy

* Penalty fees apply for early withdrawal

Extra Conveniences

  • Telephone access to your account with CURTIS
    (Credit Union Remote Telephone Information System)
  • Computer access from your home or office with OASIS
    (Online Account Status and Information System)

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Main Office

Cornerstone Community Federal Credit Union
6485 S. Transit Road
Lockport, NY 14095
1-800-488-6481 | (716) 434-2290 | info@cornerstonecommunityfcu.org
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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 site’s 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 web site.