Savings Accounts - Cornerstone Bank

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To open an account, please call our Customer Information Center at 800-939-9103 during business hours. Thank you for your patience as we make updates to this feature.

RITE Savings - Effective 1/23/2021Simplify saving—add this free account to your free RITE Interest or RITE Rewards Checking. When you earn rewards in your RITE Interest or RITE Rewards Checking account, you can build your savings with your RITE Savings—that pays up to 0.35% APY* every month!Learn More

Must be linked to a free RITE Interest or RITE Rewards Checking account
0.35% APY* on balances up to $50,000
0.35% to 0.28% APY on balances over $50,000 depending on balance in account*
0.05% APY* if qualifications are not met in RITE Interest or RITE Rewards Checking account
No minimum balance to earn rewards
No monthly service fee
Free online banking
Free mobile banking including mobile deposits
Free Debit/ATM card available with no annual fee
Free eStatements
$25 minimum deposit to open

How to Earn Your Rewards (It’s Easy!)

Qualifying for your RITE Interest or RITE Rewards Checking account automatically qualifies you for the highest RITE Savings rate, too.* To earn your rewards, just do the following transactions and activities in your RITE Interest or RITE Rewards Checking account during each Monthly Qualification Cycle:

Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
If you have a RITE Interest Checking account, have at least 10 debit card purchases post and settle
If you have a RITE Rewards Checking account, have at least 12 debit card purchases post and settle
Be enrolled in, receive, and review eStatements

If you don’t meet these qualifications, your accounts are still free.

Plus, you’ll earn our base rate in RITE Interest Checking, RITE Rewards Checking, and RITE Savings, and you can get right back to earning your full rewards the very next cycle that you qualify.

VIEW RATES

*APY=Annual Percentage Yield. APYs are accurate as of January 24, 2021. Variable rate account. Interest rates are determined at the Bank’s discretion and are subject to change at any time. Minimum to open account is $25. No minimum balance required to keep account open; however, if your account balance is $0.00 or less for 60 consecutive days your account will be closed. No monthly service fee and no minimum balance required to earn rewards. RITE Savings account must be combined with a RITE Interest Checking account or a RITE Rewards Checking account and the associated checking account must meet its monthly qualifications in order for the RITE Savings account to receive the higher savings rates.
If qualifications in the RITE Interest or RITE Rewards Checking accounts are met each monthly qualification cycle: (1) balances from $.01 up to $50,000 in RITE Savings account earn an interest rate and APY of 0.35%; and (2) balances over $50,000 in RITE Savings account earn 0.25% interest rate on portion of balance over $50,000, resulting in 0.35% – 0.28% APY depending on balance in account. If qualifications are not met on RITE Interest or RITE Rewards Checking accounts, all balances in RITE Savings account earn an interest rate and APY of 0.05%.
Please refer to RITE Interest Checking or RITE Rewards Checking for a description of the monthly qualification requirements. If the associated checking account is closed, the RITE Savings account will revert to a Statement Savings account. Available as a personal account only.

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

Statement SavingsThis savings account offers interest, security, liquidity and access. You receive an easy to read monthly statement and an ATM card.Learn More

Receive eStatements or monthly statements
Minimum to open $10
ATM card available
Electronic transfer capabilities

VIEW RATES

Holiday Savings PlanOur Holiday Savings Plan is designed to help you save up for the holidays…a time of the year when money is needed most.Learn More

Like our Statement Savings Account, a Holiday Savings Plan earns interest; but this account is designed for you to save for the holidays. At the end of the term, we’ll mail you a check for the balance plus any interest earned on the account.

Account can be opened at any time
Statement mailed quarterly to track your progress
Minimum to open $10
No monthly fees
No minimum daily balance
A check for the balance with interest earned is mailed to you in October
Automatic deposits can help you save even more
Electronic transfer capabilities

Moola SavingsMore than just a piggy bank! Kids can start their own savings account with as little as $5. They’ll earn interest plus points for cool prizes.Learn More

Teach your kids the importance of saving at a young age while we reward them with points through Moola’s Kids Club.

$5 minimum to open
Higher interest rate on balances $500 or below*
Passbook account
Earn points to trade in for fun stuff!
Get your very own membership card
Invitations to special events
Newsletters

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*Moola Savings Account. Annual Percentage Yield (APY) of 2.50% is available for balances up to $500.00. For balances over $500.00, the APY is 0.05%. A minimum deposit of $5.00 is required to open this account and a minimum of $0.01 or $500.01 is required to earn the stated APYs. APYs are effective as of January 24, 2021, and are subject to change at any time thereafter. Accounts must be opened at one of our branch locations. Account available for individuals over the age of 2 and under the age of 18. Prizes will change periodically, ask a Cornerstone Bank representative for current prize offerings, which will be rewarded upon point redemption. Cannot be combined with any other offer. Offer may be withdrawn at any time and is subject to change. The value of the prize may be reportable on a 1099-INT. iTunes is a registered trademark of Apple, Inc. Dunkin’ Donuts® is a registered trademark of DD IP Holder LLC. Dunkin Donuts and iTunes are not sponsors of this product. Cornerstone Bank is not affiliated with Dunkin Donuts or iTunes. MOOLA® is a registered trademark of Image Products, Inc. and is used by permission. All rights reserved.

How to earn points!

Earn 1 point:

Each deposit you make
Filling out your own deposit slip
When your account reaches $100 for the 1st time
On your birthday

Earn 2 points:

When your account reaches $200 for the 1st time

Earn 3 points

When you bring in your report card to show us
When your account reaches $300 for the 1st time
When you open your account

Earn 4 points

When your account reaches $400 for the 1st time
When you refer a friend or family member to open a Moola Savings Account

Earn 5 points

When your account reaches $500 for the 1st time

Redeem your points!

3 Point Prizes:

Moola Pencil
Piggy Bank
Coloring book & crayons

5 Point Prizes

Moola Magnet
Frisbee

10 Point Prizes

Moola Lunch Box
Moola Mug

15 Point Prizes

$5 Dunkin Donuts gift card

25 Point Prizes

Moola Color Your Own T-Shirt
Movie Pass
$10 iTunes Gift Card

50 Point Prizes

Power Phone Accessory Kit

Personal Money MarketLooking for the advantages of a Money Market?Learn More

Our Personal Money Market Account combines convenience and value.

Higher balances earn higher rates
Receive eStatements or monthly statements
Minimum to open $25
No monthly fees
No minimum daily balance
ATM card available
Electronic transfer capabilities

VIEW RATES

Signature Money MarketWith this account, you can keep your money liquid and enjoy the benefits of high interest rates. The higher the balance, the more you earn.Learn More

Higher balances earn higher rates
Receive eStatements or monthly statements
Minimum to open $1,000
No monthly fees
No minimum daily balance
ATM card available
Electronic transfer capabilities

VIEW RATES

View Rates