Share Certificates

Is a Share Certificate right for me?

With a Share Certificate (also known as a Certificate of Deposit or a CD), you have limited access to your money, but earn higher dividends (interest). You select the amount of time you’re comfortable with based on your savings goals; longer terms yield higher dividends. While making withdrawals is discouraged, Share Certificates offer fixed rates and guaranteed returns.  

A Share Certificate is a great way to save for longer term goals, such as college tuition or a dream vacation. 



  • Low risk investment
  • Higher returns than savings accounts
  • Terms from 6 to 60 months
  • Open with a $1,000 deposit
  • Federally insured by National Credit Union Association (NCUA)
  • Jumbo Share Certificates available for investments of $50,000 or more

Open a Share Certificate:

Not yet a Cornerstone member?

Welcome! Click the link below to get started.


Existing Members:

  • To open a new product or service, you may submit a secure application by logging into online banking(Opens in a new Window)(Opens in a new Window) or the mobile app. 
  • Once you're logged in, navigate to the main menu, click Accounts, then click Apply for Account or Loan. 
  • From there, your existing information will be used to fill-in your application. 
  • If you are not currently enrolled in online banking, you may do so by clicking the button below and following the on-screen prompts.