2. Crossroads Bank

Crossroads Bank


Overview / Commentary
www.crossroadsbank.com
800-305-7751
2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 225th largest bank in the state of Illinois. It is also the 3,223rd largest bank in the nation. It was established in 1974 and as of December of 2018, it had grown to 24 employees at 2 locations. Crossroads Bank's CD rates are 28% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #21486
Year Established1974
Employees24
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD9.81%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$167.3MM$161.7MM
LoansQ4 2018vs Q4 2017$123.0MM$119.4MM
DepositsQ4 2018vs Q4 2017$139.2MM$136.6MM
Equity CapitalQ4 2018vs Q4 2017$23.1MM$21.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.1MM$1.1MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$25.00K$12.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
0.55%*$20k*-Personal Money Market
OTHER TIERS: 0.25% → Up to $5k | 0.40% → $5k - $20k

Crossroads Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.05%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% → $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month CD
2.75%$500-48 Month CD
2.65%$500-27 Month CD
2.25%$500-11 Month CD
1.76%$500-36 Month CD
1.70%$500-30 Month CD
1.65%$500-24 Month CD
1.15%$500-12 Month CD
1.15%$500-18 Month CD
0.50%$1k-6 Month CD
0.30%$1k-3 Month CD

Crossroads Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month IRA
2.75%$500-48 Month IRA
2.65%$500-27 Month IRA
2.25%$500-11 Month IRA
1.76%$500-36 Month IRA
1.70%$500-30 Month IRA
1.65%$500-24 Month IRA
1.15%$500-12 Month IRA
1.15%$500-18 Month IRA
0.50%$1k-6 Month IRA
0.30%$1k-3 Month IRA
Locations


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

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