Crossroads Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.15%	1-year CD	2.65% - Barclays 12 Month Online CD
1.76%	3-year CD	2.85% - Synchrony Bank 36 Month CD
1.65%	2-year CD	2.70% - Capital One 24 Month 360 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 227^th largest bank in the state of Illinois. It is also the 3,261^st largest bank in the nation. It was established in 1974 and as of September 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.

Overall
FDIC Certificate #	21486
Year Established	1974
Employees	24
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.29%
Return on Equity - YTD	9.49%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$165.4MM$160.9MM
Loans	Q3 2018vs Q3 2017	$121.6MM$120.9MM
Deposits	Q3 2018vs Q3 2017	$138.0MM$135.5MM
Equity Capital	Q3 2018vs Q3 2017	$22.8MM$22.2MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$1.1MM$957.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$40.00K$1.7MM
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Money Market
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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
5.05%^*	-	$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	-	11 Month CD
2.25%	$500	-	60 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
0.35%	$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	-	11 Month IRA
2.25%	$500	-	60 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
0.35%	$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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