Bank · FDIC insured
Crossroads Bank Savings Rates
Crossroads Bank’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Crossroads Bank’s savings 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
0.15%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $15
Money Market
Top rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Land of Lincoln Credit Union
1.46%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $146
Crossroads Bank savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
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 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
0.15%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $10,000$3 fee if balance falls below $1,000. · $1,000 to open | 0.10% | $1,000 | — | $3 fee if balance falls below $1,000. |
| $10,000 – $50,000Unknown to open | 0.15% | Unknown | $15 | |
| $50,000 – $100,000Unknown to open | 0.20% | Unknown | — | |
| $100,000 – $250,000Unknown to open | 0.25% | Unknown | — | |
| $250,000 and upUnknown to open | 0.30% | Unknown | — |
Sources (1)
- crossroadsbank.com/banking/rates-terms · captured Oct 16, 2026
Special-purpose accounts
Vacation Club
3.25%APY
Requires a minimum monthly automatic transfer deposit of no less than $1 from a Crossroads Bank checking or savings account. Compounded annually. Limit of two withdrawals per calendar year; excess withdrawals result in forfeiting all accrued interest and account closure. If closed before interest is credited, accrued interest is not received.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,000Requires minimum monthly automatic transfer deposit of no less than $1 from a Crossroads Bank checking or savings account. Compounded annually. Limit of 2 withdrawals per calendar year (excess forfeits interest and closes account). If closed before interest credited, accrued interest forfeited. · $50 to open | 4.00% | $50 | — | Requires minimum monthly automatic transfer deposit of no less than $1 from a Crossroads Bank checking or savings account. Compounded annually. Limit of 2 withdrawals per calendar year (excess forfeits interest and closes account). If closed before interest credited, accrued interest forfeited. |
| $2,000 and upRequires minimum monthly automatic transfer deposit of no less than $1 from a Crossroads Bank checking or savings account. Compounded annually. Limit of 2 withdrawals per calendar year (excess forfeits interest and closes account). If closed before interest credited, accrued interest forfeited. · Unknown to open | 3.25% | Unknown | $325 | Requires minimum monthly automatic transfer deposit of no less than $1 from a Crossroads Bank checking or savings account. Compounded annually. Limit of 2 withdrawals per calendar year (excess forfeits interest and closes account). If closed before interest credited, accrued interest forfeited. |
Sources (2)
All captured Oct 16, 2026
Health Savings Account
1.50%APY
Must have coverage under a high-deductible health plan. Annual maintenance fee of $10 is waived the first year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Monthly interest compounding. Annual maintenance fee of $10 waived the first year. | 0.00% | — | Monthly interest compounding. Annual maintenance fee of $10 waived the first year. |
| $250 – $10,000Monthly interest compounding. Annual maintenance fee of $10 waived the first year. | 0.50% | — | Monthly interest compounding. Annual maintenance fee of $10 waived the first year. |
| $10,000 and upMonthly interest compounding. Annual maintenance fee of $10 waived the first year. | 1.50% | $150 | Monthly interest compounding. Annual maintenance fee of $10 waived the first year. |
Sources (2)
All captured Oct 16, 2026
Personal / Business Savings
0.10%APY
Compounded quarterly. There is a $0.50 charge for each withdrawal in excess of 3 per four-week period, and a $0.50 fee if balance falls below $50.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $25,000Compounded quarterly. $0.50 fee if balance falls below $50. $0.50 charge for each withdrawal in excess of 3 per four-week period. · $50 to open | 0.10% | $50 | $10 | Compounded quarterly. $0.50 fee if balance falls below $50. $0.50 charge for each withdrawal in excess of 3 per four-week period. |
| $25,000 – $50,000Compounded quarterly. $0.50 charge for each withdrawal in excess of 3 per four-week period. · Unknown to open | 0.20% | Unknown | — | Compounded quarterly. $0.50 charge for each withdrawal in excess of 3 per four-week period. |
| $50,000 and upCompounded quarterly. $0.50 charge for each withdrawal in excess of 3 per four-week period. · Unknown to open | 0.35% | Unknown | — | Compounded quarterly. $0.50 charge for each withdrawal in excess of 3 per four-week period. |
Sources (2)
All captured Oct 16, 2026
Christmas Savings Account
0.10%APY
Compounded annually. No withdrawals permitted except to close the account; if closed before interest is credited, accrued interest will not be received.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded annually. No withdrawals permitted except to close the account; if closed before interest is credited, accrued interest is forfeited.Any balance | 0.10% | $10 | Compounded annually. No withdrawals permitted except to close the account; if closed before interest is credited, accrued interest is forfeited. |
Sources (1)
- crossroadsbank.com/banking/rates-terms · captured Oct 16, 2026
Read for Dollars Savings Account
0.10%APY
Compounded quarterly. Account for children/students; bring report card to bank with an 'A' in Reading or Literature (limit one per school quarter) to earn extra rewards up to $10/year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. Bring report card with an 'A' in Reading/Literature (limit one per school quarter).Any balance | 0.10% | $10 | Compounded quarterly. Bring report card with an 'A' in Reading/Literature (limit one per school quarter). |
Sources (2)
All captured Oct 16, 2026
Closed to new customers
Super Christmas Club
3.25%APY
Must have at least one other account with Crossroads Bank. Requires a minimum monthly automatic transfer deposit of no less than $1 from a Crossroads Bank checking or savings account. Compounded annually. No withdrawals permitted except to close the account; if closed before interest is credited, accrued interest is forfeited.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,000Must have at least one other account. Requires minimum monthly automatic transfer deposit of $1 from checking/savings. Compounded annually. No withdrawals permitted except to close. · $1 to open | 4.00% | $1 | — | Must have at least one other account. Requires minimum monthly automatic transfer deposit of $1 from checking/savings. Compounded annually. No withdrawals permitted except to close. |
| Over $2,000Must have at least one other account. Requires minimum monthly automatic transfer deposit of $1 from checking/savings. Compounded annually. No withdrawals permitted except to close. · Unknown to open | 3.25% | Unknown | $325 | Must have at least one other account. Requires minimum monthly automatic transfer deposit of $1 from checking/savings. Compounded annually. No withdrawals permitted except to close. |
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.