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

Crossroads Bank is headquartered in Effingham and is the 244th largest bank in the state of Illinois. It is also the 3,435th largest bank in the nation. It was established in 1974 and as of September of 2016, 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 - YTD1.04%
Return on Equity - YTD8.04%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$159.4MM$149.5MM
LoansQ3 2016vs Q3 2015$124.3MM$117.5MM
DepositsQ3 2016vs Q3 2015$129.8MM$127.7MM
Equity CapitalQ3 2016vs Q3 2015$21.3MM$20.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.0MM$948.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$0$0
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* 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
1.00%--Health Savings Account
0.50%*-$2kSuper Christmas Club
OTHER TIERS: 0.10% $2k+
0.50%*-$2kVacation Club
OTHER TIERS: 0.10% $2k+
0.40%*$50k*-Regular Savings
OTHER TIERS: 0.10% Up to $25k | 0.25% $25k - $50k
0.40%*$50k*-Business Savings
OTHER TIERS: 0.10% Up to $25k | 0.25% $25k - $50k
0.10%--Bill the Reader

Crossroads Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$20k*-Personal Money Market
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $20k
0.25%*$20k*-Business Money Market
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $20k

Crossroads Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month CD
1.25%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-30 Month CD
0.60%$500-24 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD
0.25%$1k-6 Month CD
0.20%$1k-3 Month CD

Crossroads Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month IRA
1.25%$500-48 Month IRA
1.00%$500-36 Month IRA
0.75%$500-30 Month IRA
0.60%$500-24 Month IRA
0.40%$500-18 Month IRA
0.35%$500-12 Month IRA
0.25%$1k-6 Month IRA
0.20%$1k-3 Month IRA
Locations


Crossroads Bank Locations
Crossroads Bank2000 South Banker StreetEffingham, IL 62401
Keller Drive Facility806 North Keller DriveEffingham, IL 62401