Crossroads Bank

Overview / Commentary
2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 201st largest bank in the state of Illinois. It is also the 3,020th largest bank in the nation. It was established in 1974 and as of June of 2022, it had grown to 26 employees at 2 locations. Crossroads Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #21486
Year Established1974
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD10.67%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$211.7MM$212.7MM
LoansQ2 2022vs Q2 2021$131.8MM$135.3MM
DepositsQ2 2022vs Q2 2021$186.1MM$175.5MM
Equity CapitalQ2 2022vs Q2 2021$24.8MM$29.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.2MM$1.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$55.00K$146.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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

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%--Read for Dollars Savings Account
0.10%--Christmas Club

Crossroads Bank Money Market Rates

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

1.75%-$10kBlue Chip Checking
0.10%--Coffee Club

Crossroads Bank CD Rates

3.50%$5k-11 Month CD Special
3.50%$5k-17 Month CD Special
1.00%$2k-48 Month CD
1.00%$2k-60 Month CD
0.85%$2k-36 Month CD
0.80%$2k-30 Month CD
0.75%$2k-18 Month CD
0.75%$2k-24 Month CD
0.60%$2k-12 Month CD
0.40%$2k-6 Month CD
0.30%$2k-3 Month CD

Crossroads Bank IRA Rates

3.50%$5k-11 Month IRA Special
3.50%$5k-17 Month IRA Special
1.00%$2k-48 Month IRA
1.00%$2k-60 Month IRA
0.85%$2k-36 Month IRA
0.80%$2k-30 Month IRA
0.75%$2k-18 Month IRA
0.75%$2k-24 Month IRA
0.60%$2k-12 Month IRA
0.40%$2k-6 Month IRA
0.30%$2k-3 Month IRA

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

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