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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 214th largest bank in the state of Illinois. It is also the 3,110th largest bank in the nation. It was established in 1974 and as of September of 2019, it had grown to 23 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 Q3 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #21486
Year Established1974
Employees23
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD9.22%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$175.6MM$165.4MM
LoansQ3 2019vs Q3 2018$120.2MM$121.6MM
DepositsQ3 2019vs Q3 2018$146.1MM$138.0MM
Equity CapitalQ3 2019vs Q3 2018$25.3MM$22.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$1.1MM$1.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$13.00K$40.00K
Real Estate OwnedQ3 2019vs Q3 2018$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%*$250k*-Personal Money Market
OTHER TIERS: 0.15% → Up to $10k | 0.25% → $10k - $50k | 0.35% → $50k - $100k | 0.45% → $100k - $250k

Crossroads Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% → $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$500-60 Month CD
2.00%$500-48 Month CD
1.95%$500-27 Month CD
1.76%$500-36 Month CD
1.75%$500-11 Month CD
1.50%$500-30 Month CD
1.40%$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
2.10%$500-60 Month IRA
2.00%$500-48 Month IRA
1.95%$500-27 Month IRA
1.76%$500-36 Month IRA
1.75%$500-11 Month IRA
1.50%$500-30 Month IRA
1.40%$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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