Crossroads Bank


Overview / Commentary
800-305-7751
2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 205th largest bank in the state of Illinois. It is also the 3,026th largest bank in the nation. It was established in 1974 and as of June of 2021, it had grown to 25 employees at 2 locations. Crossroads Bank has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #21486
Year Established1974
Employees25
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.58%
Return on Equity - YTD11.5%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$212.7MM$202.8MM
LoansQ2 2021vs Q2 2020$135.3MM$129.7MM
DepositsQ2 2021vs Q2 2020$175.5MM$165.7MM
Equity CapitalQ2 2021vs Q2 2020$29.4MM$27.2MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.2MM$1.1MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$146.00K$1.8MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Crossroads Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Crossroads Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$2kSuper Christmas Club
OTHER TIERS: 0.10% $2k+
0.50%*-$2kVacation Club
OTHER TIERS: 0.10% $2k+
0.35%--Health Savings Account
0.35%*$50k*-Regular Savings
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k
0.35%*$50k*-Business Savings
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k
0.10%--Bill the Reader
0.10%--Christmas Club

Crossroads Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Personal Money Market
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k

Crossroads Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$500-60 Month CD
0.70%$500-48 Month CD
0.60%$500-36 Month CD
0.50%$500-30 Month CD
0.45%$500-24 Month CD
0.35%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Crossroads Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$500-60 Month IRA
0.70%$500-48 Month IRA
0.60%$500-36 Month IRA
0.50%$500-30 Month IRA
0.45%$500-24 Month IRA
0.35%$500-18 Month IRA
0.25%$500-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations


Crossroads Bank Locations
Crossroads Bank2000 S Banker StEffingham, IL 62401
Keller Drive Facility806 North Keller DriveEffingham, IL 62401

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