Bank · FDIC insured
Cross County Savings Bank Savings Rates
Cross County Savings Bank’s best savings rate is 0.25% APY on $10,000, with its Passbook Savings. Rates checked October 16, 2026.
How Cross County Savings Bank’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $300
- Earns on $10,000 a year
- $25
Statement Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Cross County Savings Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
0.20%APY
Interest compounded daily and credited monthly. Monthly maintenance fee of $10.00 waived if daily balance is at or above $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.15% | — |
| $2,500 – $10,000 | 0.20% | $20 |
| $10,000 – $75,000 | 0.35% | — |
| Over $75,000 | 0.40% | — |
Premier Money Market
0.25%APY
Interest compounded daily and credited monthly. If daily balance falls below $15,000.00, receives the APY disclosed for the corresponding balance tier, provided a minimum daily balance of $1.00 is maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Applies when daily balance falls below $15,000.00, provided a minimum balance of $1.00 is maintained each day. | 0.25% | $25 | Applies when daily balance falls below $15,000.00, provided a minimum balance of $1.00 is maintained each day. |
| $15,000 and up | 0.40% | — |
Passbook Savings
0.25%APY
$5.00 monthly maintenance service charge if daily balance falls below $500.00 during a statement cycle. Transfers by preauthorized, automatic, or computer order are not permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.25% | $25 |
Statement Savings
0.25%APY
$5.00 monthly maintenance service charge if daily balance falls below $300.00 during a statement cycle. Maximum 6 covered transactions per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.25% | $25 |
Model Safe Statement Savings
0.20%APY
Available to consumers who do not qualify for other consumer depository products, other than Model Safe accounts. Maximum 6 covered transactions per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.20% | $20 |
Special-purpose accounts
Stepping Stone Savings
0.25%APY
Passbook account for children up to 18 years old. Passbook must be presented for withdrawals. Transfers by preauthorized, automatic, telephone, or computer order are not permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.25% | $25 |
Holiday Club
0.15%APY
Passbook or Statement options available. Payout options include mailing a check or direct deposit into a Cross County Savings Bank checking or savings account. Transfers by preauthorized, automatic, or computer order are not permitted for passbook option.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.15% | $15 |
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.