Bank · FDIC insured
Crossroads Bank CD Rates
Crossroads Bank’s best CD rate is 4.10% APY on a 17-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Crossroads Bank’s CD rates compare
Compared with banks and credit unions near Effingham, IL, where Crossroads Bank has the most branches. $10,000, best rate first.
This bank’s best
Crossroads Bank
4.10%APY
- Term
- 17 months
- Minimum
- $2,000
- Earns on $10,000
- $586
Certificates of Deposit (CDs)
2nd-highest rate
First State Bank of Beecher City
4.08%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $408
3rd-highest rate
Land of Lincoln Credit Union
3.97%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $363
Crossroads Bank CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.10%
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 Crossroads 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.
Certificates of Deposit (CDs)
Up to 4.10%APY · 10 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFrequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest | 3.00% | $74 |
| 6 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest | 3.60% | $178 |
| 12 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest | 3.60% | $360 |
| 17 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 4.10% | $586 |
| 18 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 3.50% | $530 |
| 24 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 3.86% | $787 |
| 30 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 1.50% | $379 |
| 36 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 3.20% | $991 |
| 48 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest | 3.25% | $1,365 |
| 60 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest | 3.30% | $1,763 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.10%APY · 10 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFrequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest | 3.00% | $74 |
| 6 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest | 3.60% | $178 |
| 12 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest | 3.60% | $360 |
| 17 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 4.10% | $586 |
| 18 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 3.50% | $530 |
| 24 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 3.86% | $787 |
| 30 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 1.50% | $379 |
| 36 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest | 3.20% | $991 |
| 48 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest | 3.25% | $1,365 |
| 60 monthsFrequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest | 3.30% | $1,763 |
Sources (2)
All captured Oct 16, 2026
Opening an account
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