Crossroads Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.00%	1-year CD	2.55% - Goldman Sachs Bank USA High-yield 12 Month CD
1.76%	3-year CD	2.85% - Synchrony Bank 36 Month CD
1.51%	2-year CD	2.60% - American Express National Bank 24 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 231^st largest bank in the state of Illinois. It is also the 3,301^st 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.

Overall
FDIC Certificate #	21486
Year Established	1974
Employees	21
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.25%
Return on Equity - YTD	9.24%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$162.6MM$161.4MM
Loans	Q2 2018vs Q2 2017	$115.0MM$122.9MM
Deposits	Q2 2018vs Q2 2017	$139.4MM$136.2MM
Equity Capital	Q2 2018vs Q2 2017	$22.3MM$21.8MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$1.1MM$1.1MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$24.00K$2.2MM
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
Money Market
Checking
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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	VIEW DETAILS
0.25%^*	$20k^*	-	Personal Money Market
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $20k

Crossroads Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	-	$15k	Blue Chip Checking
OTHER TIERS: 0.20% → $15k+
0.10%	-	-	Coffee Club

Crossroads Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

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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