Cornerstone Credit Union – ID

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Review based on 12 criteria Rating: 0 out of 5

PO Box 158, Caldwell, ID 83606-0158

Website

(208) 459-3500

Data Source: NCUA, March 31, 2016


Cornerstone Credit Union, ID was founded in 1955. Headquartered in Caldwell, Idaho, Cornerstone Credit Union, ID is a state chartered and not federally insured credit union, being chartered in Idaho but not insured through the National Credit Union Share Insurance Fund (NCUSIF). Cornerstone Credit Union, ID is also a member of the Federal Home Loan Bank (FHLB) , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of March 31, 2016, Cornerstone Credit Union, ID services 4,224 members through its 2 offices and branches and 7 full-time and 5 part-time employees. It has $15,867,335.00 of total assets and $622,418.00 of net worth. Based on its asset size and net worth ratio, Cornerstone Credit Union, ID is classified as a Significantly Undercapitalized medium small credit union.

Cornerstone Credit Union, ID offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Cornerstone Credit Union, ID also provides an array of services to its members and local communities. To find out more, please go to the Services page.

Cornerstone Credit Union, ID’s membership type is defined as State chartered natural person credit union. If you are interested in joining Cornerstone Credit Union, ID, please visit their website or call (208) 459-3500 for details. If you are a current member of Cornerstone Credit Union, ID or have used any of their services or products, please rate them and leave your comments.

The following two tables list the deplitory and loan interest rates of Cornerstone Credit Union, ID’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Idaho and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Idaho
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.0200
0.1000
0.1200
Money Market
0.0250
0.2450
0.2500
Certificate Deplit
0.0510
0.8750
0.5500
IRA
0.0750
0.5500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Idaho
National Median Rates
Credit Cards
9.4900
9.6250
9.9900
Unsecured Line of Credits
7.9900
10.9000
10.9900
Short-term Small Amount
n/a
22.0000
25.0000
Student Loans
n/a
5.8300
6.0000
New Car Loans
2.7900
3.3700
3.4300
Used Car Loans
2.7900
4.5100
4.5400
1st Mortgage Real Estates
3.8000
4.2500
4.2400
Other Real Estates
3.9900
4.4600
4.7500

Cornerstone Credit Union, ID prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, and ATMs. The table below lists the electronic banking services prlided by Cornerstone Credit Union, ID.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
Merchandise Purchase
No
Account Balance Inquiry
Yes
No
Merchant Processing Service
No
View Account History
Yes
No
No
Download Account History
Yes
No

.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
Caldwell Office
Main Office

416 S Kimball Ave
Caldwell, ID 83605-4171
Phone:208-459-3500

Nampa Office
404 Holly St
Nampa, ID 83686-5108
Phone:208-459-3500

Vital Records – (simplot Employees Credit Union)
16751 Simplot Blvd
Caldwell, ID 83606
Phone:208-454-4286

(208) 454-3955

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  1. Cuhub Staff
    Cuhub Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:31 pm

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