Earn up to 30x the national average
Building an emergency fund, saving for something big, or looking for a reliable way to make your money work harder? Cornerstone offers competitive rates across every account type, backed by a dedicated banking team ready to walk you through it.
- Rates up to 30x the national average
- FDIC-insured deposits
- Easy access to 300,000 fee-free ATMs
- Banking, mortgage, and insurance services
Match your account to your goals
Interest checking
Ideal for: Daily banking that earns interest
Earn interest on your balance with unlimited account access and no monthly minimums.
Minimum opening deposit: $50
No monthly minimums or service fees
High-yield savings
Ideal for: Emergency funds and short-term savings
Keep your money accessible while earning a competitive rate with no monthly service fee and up to six withdrawals a month.
Minimum opening deposit: $50
Monthly service fee: $0
Money market
Ideal for: Larger balances and flexible access
Tiered rates help larger balances earn more while keeping your funds available when you need them.
Minimum opening deposit: $50
No monthly minimums or service fees
Certificate of deposit
Ideal for: Long-term goals and predictable growth
Lock in a fixed rate for terms from 3 to 60 months with monthly compounded interest and predictable earnings.
Minimum opening deposit: $500
Terms: 3 months to 60 months
Not sure which account is right for you?
Use these quick guidelines to compare your options based on how you save, spend, and plan ahead.
Choose checking if you:
-
Want your daily account to earn interest
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Need unlimited access to your money
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Use online and mobile banking regularly
Choose savings or money market if you:
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Are building an emergency fund
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Want access to funds when needed
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Want competitive earning potential
Choose a CD if you:
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Have money you won’t need right away
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Want a fixed rate
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Are saving toward a specific future goal
See our current rates
Rates change. Here's a current look at what we're offering, including interest rates and annual percentage yields, for our accounts.
| Account Product Name | Minimum Opening Deposit | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Digital Interest Checking | ||||
Digital Interest Checking1 |
$50 | $0.012 |
2.23% | 2.25% |
| High-Yield Savings | ||||
Digital High-Yield Savings1 |
$50 | $0.012 |
3.45% | 3.75% |
| Personal MMDA | ||||
Personal MMDA1 |
$50 | $0.012 |
— | — |
Daily balances up to $4,999.99 |
— | — |
2.23% | 2.25% |
$5,000 - $9,999.99 |
— | — |
3.30% | 3.35% |
$10,000 - $99,999.99 |
— | — |
3.49% | 3.55% |
$100,000 - $999,999,999.00 |
— | — |
3.59% | 3.65% |
| Certificate of Deposit (CD) | ||||
Consumer 3 Month CD3 |
$500 | $5003 |
3.78% | 3.85% |
Consumer 6 Month CD3 |
$500 | $5003 |
3.78% | 3.85% |
Consumer 12 Month CD3 |
$500 | $5003 |
3.83% | 3.90% |
Consumer 18 Month CD3 |
$500 | $5003 |
3.83% | 3.90% |
Consumer 24 Month CD3 |
$500 | $5003 |
3.83% | 3.90% |
Consumer 36 Month CD3 |
$500 | $5003 |
3.83% | 3.90% |
Consumer 60 Month CD3 |
$500 | $5003 |
3.83% | 3.90% |
