Feel Secure in Your Financial Future

Reach your savings goals and earn better dividends with certificates and IRA certificates. Now you can open certificates instantly in digital banking with funds already on deposit at Cornerstone.

Certificate Promotion

  • Earn 5.25% APY
  • Choose your term: 4, 7, or 11 months
  • Dividends paid at maturity (penalty for early withdrawal) 
  • Deposit $10,000 or more
  • Funds not already on deposit with Cornerstone


Put your savings to work. Certificates let you earn more dividends with no risk.

  • Annual Percentage Yield (APY) as high as 5.25%
  • Best rate compared to savings and money market accounts
  • Terms from 3 to 48 months

IRA Certificates

Enjoy the tax benefits of an IRA without the market fluctuations of stocks and bonds.

  • Annual Percentage Yield (APY) as high as 2.50%
  • Penalty-free withdrawals starting at age 59 1/2
  • Terms from 3 to 48 months

Business Certificates

Earn the most dividends on cash reserves for your business.

  • 2.80% APY 6-month term
  • 4.30% APY for 12-month term
  • Minimum balance of $25,000

APY = Annual Percentage Yield