Crossroads Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
1.76%	2-year CD	24 Month CD 2.25% - Synchrony Bank 24 Month CD
1.00%	3-year CD	36 Month CD 2.35% - Synchrony Bank 36 Month CD

View all Crossroads Bank rates »

Overview / Commentary

www.crossroadsbank.com

800-305-7751

2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 234^th largest bank in the state of Illinois. It is also the 3,362^nd largest bank in the nation. It was established in 1974 and as of December of 2017, it had grown to 25 employees at 2 locations. Crossroads Bank has an A+ health rating.

Overall
FDIC Certificate #	21486
Year Established	1974
Employees	25
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	6.85%
Annual Interest Income	$5.8MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$161.7MM$158.3MM
Loans	Q4 2017vs Q4 2016	$119.4MM$124.5MM
Deposits	Q4 2017vs Q4 2016	$136.6MM$132.8MM
Equity Capital	Q4 2017vs Q4 2016	$21.7MM$21.0MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$1.1MM$1.0MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$12.00K$0
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Money Market
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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

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	Health Savings Account
0.50%^*	-	$2k	Super Christmas Club
OTHER TIERS: 0.10% → $2k+
0.50%^*	-	$2k	Vacation 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
3.14%^*	-	$15k	Blue Chip Checking
OTHER TIERS: 0.20% → $15k+
0.10%	-	-	Coffee Club

Crossroads Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.01%	$500	-	60 Month CD
1.76%	$500	-	24 Month CD
1.51%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
0.85%	$500	-	30 Month CD
0.75%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	3 Month CD

Crossroads Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.01%	$500	-	60 Month IRA
1.76%	$500	-	24 Month IRA
1.51%	$500	-	48 Month IRA
1.00%	$500	-	36 Month IRA
0.85%	$500	-	30 Month IRA
0.75%	$500	-	18 Month IRA
0.50%	$500	-	12 Month IRA
0.25%	$1k	-	6 Month IRA
0.20%	$1k	-	3 Month IRA

Locations

Crossroads Bank Locations
Crossroads Bank	2000 South Banker Street	Effingham, IL 62401
Keller Drive Facility	806 North Keller Drive	Effingham, IL 62401

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