Crossroads Bank

Overview / Commentary
2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 200th largest bank in the state of Illinois. It is also the 2,994th largest bank in the nation. It was established in 1974 and as of September of 2020, it had grown to 24 employees at 2 locations. Crossroads Bank has an A health rating.


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Health Grade Components

FDIC Certificate #21486
Year Established1974
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD10.1%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$202.8MM$175.6MM
LoansQ3 2020vs Q3 2019$127.0MM$120.2MM
DepositsQ3 2020vs Q3 2019$164.8MM$146.1MM
Equity CapitalQ3 2020vs Q3 2019$28.1MM$25.3MM
Loan Loss AllowanceQ3 2020vs Q3 2019$1.1MM$1.1MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$1.8MM$13.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$0
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Always verify rates and promotions with the bank or credit union. We are not Crossroads Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Crossroads Bank Savings Account Rates

0.50%*-$2kSuper Christmas Club
OTHER TIERS: 0.10% $2k+
0.50%*-$2kVacation Club
OTHER TIERS: 0.10% $2k+
0.35%--Health Savings Account
0.35%*$50k*-Regular Savings
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k
0.35%*$50k*-Business Savings
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k
0.10%--Bill the Reader

Crossroads Bank Money Market Rates

0.30%*$250k*-Personal Money Market
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k

Crossroads Bank Checking Account Rates

1.75%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

0.90%$500-60 Month CD
0.80%$500-48 Month CD
0.65%$500-36 Month CD
0.50%$500-30 Month CD
0.45%$500-24 Month CD
0.35%$500-18 Month CD
0.30%$500-12 Month CD
0.20%$1k-6 Month CD
0.10%$1k-3 Month CD

Crossroads Bank IRA Rates

0.90%$500-60 Month IRA
0.80%$500-48 Month IRA
0.65%$500-36 Month IRA
0.50%$500-30 Month IRA
0.45%$500-24 Month IRA
0.35%$500-18 Month IRA
0.30%$500-12 Month IRA
0.20%$1k-6 Month IRA
0.10%$1k-3 Month IRA

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

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