Bank · FDIC insured
Cross County Savings Bank CD Rates
Cross County Savings Bank’s best CD rate is 3.55% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Cross County Savings Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Cross County Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Cross County Savings Bank
3.55%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $355
Certificate of Deposit (CD)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Cross County Savings Bank CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo2.20%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cross County Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.55%APY · 14 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 2.15% | $107 |
| 7 months | 2.15% | $125 |
| 8 months | 2.20% | $146 |
| 9 months | 2.60% | $194 |
| 10 months | 2.75% | $229 |
| 12 months | 3.55% | $355 |
| 14 months | 3.55% | $415 |
| 18 months | 3.40% | $514 |
| 24 months | 3.55% | $723 |
| 30 months | 3.40% | $872 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
18 Month Variable Rate IRA (CD)
4.46%APY · 1 term
Rate is adjusted and determined monthly based upon the Constant Maturities 1 Year U.S. Treasury Bill, as quoted by the Federal Reserve Bank, with no floor and a ceiling of 6.00%. Additional deposits of $100.00 or more are permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRate is adjusted and determined monthly based upon the Constant Maturities 1 Year U.S. Treasury Bill, as quoted by the Federal Reserve Bank, with no floor and a ceiling of 6.00% | 4.46% | $676 |
Sources (3)
All captured Oct 16, 2026
Individual Retirement Account (IRA) CD
Up to 3.55%APY · 14 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 2.15% | $107 |
| 7 months | 2.15% | $125 |
| 8 months | 2.20% | $146 |
| 9 months | 2.60% | $194 |
| 10 months | 2.75% | $229 |
| 12 months | 3.55% | $355 |
| 14 months | 3.55% | $415 |
| 18 months | 3.40% | $514 |
| 24 months | 3.55% | $723 |
| 30 months | 3.40% | $872 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.