Overview / Commentary
2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 231st largest bank in the state of Illinois. It is also the 3,301st largest bank in the nation. It was established in 1974 and as of June of 2018, it had grown to 21 employees at 2 locations. Crossroads Bank's CD rates are 11% higher than the national average, and it boasts an A+ health rating.

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Health Grade Components

FDIC Certificate #21486
Year Established1974
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD9.24%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$162.6MM$161.4MM
LoansQ2 2018vs Q2 2017$115.0MM$122.9MM
DepositsQ2 2018vs Q2 2017$139.4MM$136.2MM
Equity CapitalQ2 2018vs Q2 2017$22.3MM$21.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.1MM$1.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$24.00K$2.2MM
Real Estate OwnedQ2 2018vs Q2 2017$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

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

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

Crossroads Bank Checking Account Rates

4.00%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

3.02%$500-48 Month CD
2.50%$500-21 Month CD
2.11%$500-60 Month CD
2.10%$500-11 Month CD
1.76%$500-36 Month CD
1.61%$500-30 Month CD
1.51%$500-24 Month CD
1.15%$500-18 Month CD
1.00%$500-12 Month CD
0.35%$1k-6 Month CD
0.30%$1k-3 Month CD

Crossroads Bank IRA Rates

3.02%$500-48 Month IRA
2.50%$500-21 Month IRA
2.11%$500-60 Month IRA
2.10%$500-11 Month IRA
1.76%$500-36 Month IRA
1.61%$500-30 Month IRA
1.51%$500-24 Month IRA
1.15%$500-18 Month IRA
1.00%$500-12 Month IRA
0.35%$1k-6 Month IRA
0.30%$1k-3 Month IRA

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

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