Average User Rating:2.5 star rating based on 8 reviews.
Crescent State Bank
Crescent State Bank Locations| 1005 High House Road Cary, NC 27513 (919) 460-7770 www.crescentstatebank.com  |
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Crescent State Bank is headquartered in Cary and is the 21st largest bank in the state of North Carolina. It is also the 730th largest bank in the nation. It was established in 1998 and as of September of 2011, it had grown to 163 employees at 15 locations. Crescent State Bank has a 2-star health rating.
Related Posts
For Those In The Raleigh (Forum) - 4/18/2010
For those in the Raleigh, NC area, Crescent State Bank is offering a pretty good rate on rewards checking for up to $25K. The APY is 5.01% on an APR of 4.89%. The details are on their website. http://www.crescentstatebank.
High-Yield Reward Checking Account at Crescent State Bank in North Carolina - 1/21/2009
Crescent State Bank is offering a rewards checking account that pays 5.01% APY on balances up to $25,000 (1.01% for above) and refunds ATM fees nationwide up to $25 if the following monthly requirements are met:10 debit card purchases1 direct deposit or...
See Rates for: Checking | Savings | Money Market | CD | IRA
Crescent State Bank Checking Account Rates
Crescent State Bank Savings Account Rates
Crescent State Bank Money Market Rates
Crescent State Bank CD Rates
Crescent State Bank IRA Rates
| Apy | Min | Max | Product | |
| 1.50% | $100k | - | 60 Month IRA | |
| 1.50% | $100k | - | 60 Month Roth IRA | |
| 1.50% | $100k | - | 60 Month Educational IRA | |
| 1.30% | $100k | - | 48 - 59 Month IRA | |
| 1.30% | $100k | - | 48 - 59 Month Roth IRA | |
| 1.30% | $100k | - | 48 - 59 Month Educational IRA | |
| 1.20% | $100k | - | 36 - 47 Month IRA | |
| 1.20% | $100k | - | 36 - 47 Month Roth IRA | |
| 1.20% | $100k | - | 36 - 47 Month Educational IRA | |
| 0.95% | $100k | - | 24 - 35 Month IRA | |
| 0.95% | $100k | - | 24 - 35 Month Roth IRA | |
| 0.95% | $100k | - | 24 - 35 Month Educational IRA | |
| 0.70% | $100k | - | 18 - 23 Month IRA | |
| 0.70% | $100k | - | 18 - 23 Month Roth IRA | |
| 0.70% | $100k | - | 18 - 23 Month Educational IRA | |
| 0.60% | $100k | - | 12 - 17 Month IRA | |
| 0.60% | $100k | - | 12 - 17 Month Roth IRA | |
| 0.60% | $100k | - | 12 - 17 Month Educational IRA | |
| 0.35% | $100k | - | 181 - 364 Day IRA | |
| 0.35% | $100k | - | 181 - 364 Day Roth IRA | |
| 0.35% | $100k | - | 181 - 364 Day Educational IRA | |
| 0.30% | $100k | - | 91 - 180 Day IRA | |
| 0.30% | $100k | - | 91 - 180 Day Roth IRA | |
| 0.30% | $100k | - | 91 - 180 Day Educational IRA | |
| 0.25% | $100k | - | 31 - 90 Day IRA | |
| 0.25% | $100k | - | 31 - 90 Day Roth IRA | |
| 0.25% | $100k | - | 31 - 90 Day Educational IRA | |
| 0.20% | $100k | - | 7 - 30 Day IRA | |
| 0.20% | $100k | - | 7 - 30 Day Roth IRA | |
| 0.20% | $100k | - | 7 - 30 Day Educational IRA |
Rates updated: 2/11/2012
Data for Q3 2011
Institution Statistics
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Institution Health
Overall Score:
2 out of 5 
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Take Your Money And Run!
- cashmoneybags - Friday, January 28, 2011 - 12:03 AMI thought I got my transactions in time, seven of them posted, but the other three were delayed for some reason. Then when they posted they posted to the wrong account. The representatives at the local bank were not willing to make an adjustment to the interest earned. They even barked at me for the amount of my transactions. All my other banks have been willing to make the adjustments. This place is very unprofessional, especially when compared to competitors like Capital Bank. I recommend you keep your money somewhere else.
4
Best Deal And Friendly Service
- Jake - Thursday, June 2, 2011 - 2:17 PMI see several complaints about Crescent Bank but I have to say that I've been extremely happy with them since I opened my first account 6 months ago. Their rewards checking is the best deal I've found, when you consider interest rate and transaction requirements. I always finish the requirements early so I've never run into a problem of having a debit not post in time. Everytime I've been to the Apex branch I've received friendly service from everyone, including the tellers and the branch manager. I highly reccommend Crescent State Bank.
3
External Transfers No Longer Available
- Alfinator - Saturday, May 7, 2011 - 12:50 PMI got this message from them today:
External transfers are no longer available through Crescent State Bank's online banking. If you would like to make an external transfer, please contact your local office and they will be glad to help you.
Thank you!
It looks like they just took out one of the services that I like about this bank, hence the lower rating.
3
Bad Security!
- eyesopen - Saturday, September 3, 2011 - 12:32 PMThis bank opened an account in my name without my knowledge or consent. They never checked identification didn't even get an ID or a signature card! Then when the whole thing went bad they came after me for money. The only information that matched me was the name but they eventually tracked me down. What the? It is crazy that a bank could open accounts online and never verify who opened the account. Isn't this a violation of the patriot act? Watch out!
2
Don't Use This Bank For Mortgage Financing!
- rayray - Sunday, June 26, 2011 - 2:16 PMWe confided in Crescent State Banks services for refinancing our home. We gave them all of there requested documents for the loan minus my wife's green card that thy asked for. We explained that her green card had been stolen and that a police report had been filed the same day that it was stolen. The Mortgage Loan Officer took our application along with a $400.00 check written out to Crescent State Bank for the appraisal fee and said that she would check into the green card to see if there was any other document they could use. The Mortgage Loan Officer told us she would forward our application and get back to us on the Green card status. Meanwhile Crescent State Bank ordered the appraisal on our house without making sure that the green card issue wasn't going to be a problem. After several inquiries as to the status of our application and one month later they told us that they cannot refinance our home unless we provide a copy of the green card and that the $400.00 we gave them in good faith was non-refundable. The bottom line is that Crescent State Bank should have made sure that the loan was approved before ordering the appraisal on our house. We had to pay $400.00 for Crescent State Banks Error's.
And lost $400.00 by using a bank that clearly has no business doing mortgages.
2
Pleased To Be A Crescent Customer
- KNC - Monday, June 6, 2011 - 8:02 AMI have been a customer at Crescent State Bank for about a year and a half now. Every visit I have had to the bank has been positive as the staff is friendly and helpful. I also love the Rewards Checking. I typically use my debit card for all of my purchses and my paycheck is direct deposit so meeting the requirements every month has been a breeze. I tell everyone I know about my experience with Crescent, I just really cannot say enough about them.
2
Weird Statement Cycle, Posting Delays, No Waivers
- gcretro - Wednesday, February 16, 2011 - 4:14 PMI second the post above. I did the last few debit transactions on 14th Monday during the business hours well before 3pm. And it was delayed for whatever reason... they blame the merchant. I dunno if the delay is on their side or if it's truly the merchant.
I ask'ed for a one time waiver but they won't give me the interest. The manager talked around very slick. All other banks & credit cards do give you a one time waiver at times.
2
Make Sure Your Debit Card Transactions Post Early
I've banked with Crescent State Bank since April of 2010 and so far have been pleased. I really got upset today when I found out that I didn't get the 3.75% interest that I thought I should have gotten. I made my 10th debit card transaction on Friday the 14th and it showed up as processing on the 15th and it didn't completely post until Tuesday the 18th which apparently is the beginning of the new cycle. The representatives at the local bank were not willing to make an adjustment to the interest earned.