Crossroads Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	12 Month CD 1.45% - CIT Bank 11-Month No-Penalty CD
1.00%	3-year CD	36 Month CD 1.85% - Synchrony Bank 36 Month CD
0.75%	2-year CD	24 Month CD 1.65% - Synchrony 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 236^th largest bank in the state of Illinois. It is also the 3,401^st largest bank in the nation. It was established in 1974 and as of June of 2017, it had grown to 29 employees at 2 locations. Crossroads Bank has an A health rating.

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Health

A

Data as of Q2 2017

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Health Grade Components

Overall
FDIC Certificate #	21486
Year Established	1974
Employees	29
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	7.55%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$161.4MM$159.0MM
Loans	Q2 2017vs Q2 2016	$122.9MM$126.3MM
Deposits	Q2 2017vs Q2 2016	$136.2MM$131.0MM
Equity Capital	Q2 2017vs Q2 2016	$21.8MM$20.9MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$1.1MM$1.0MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$2.2MM$308.00K
Real Estate Owned	Q2 2017vs Q2 2016	$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

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
1.51%	$500	-	18 Month CD
1.51%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
0.85%	$500	-	30 Month CD
0.75%	$500	-	24 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
1.51%	$500	-	18 Month IRA
1.51%	$500	-	48 Month IRA
1.00%	$500	-	36 Month IRA
0.85%	$500	-	30 Month IRA
0.75%	$500	-	24 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