Credit union · NCUA insured
Highway Crossroads Credit Union Savings Rates
Highway Crossroads Credit Union’s best savings rate is 0.25% APY on $10,000, with its Savings Account (Share Account). Rates checked October 16, 2026.
How Highway Crossroads Credit Union’s savings rates compare
Compared with banks and credit unions near Sikeston, MO, where Highway Crossroads Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Highway Crossroads Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Savings Account (Share Account)
Top rate
Montgomery Bank
3.01%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $301
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Highway Crossroads Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- 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 Highway Crossroads Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Savings Account (Share Account)
0.25%APY
Every member has a share account (savings account) establishing shareholder status.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly. Inactive accounts with balance under $250 and no activity for 12 months incur a $5 quarterly fee for members over 18 without other accounts.Any balance | 0.25% | $25 | Dividends compounded quarterly. Inactive accounts with balance under $250 and no activity for 12 months incur a $5 quarterly fee for members over 18 without other accounts. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.50%APY
Full balance along with dividends is transferred to the member's savings account in October/November 1st each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded annually.Any balance | 0.50% | $50 | Dividends compounded annually. |
Sources (3)
- mycrossroadscu.com/accounts/share-accounts
- mycrossroadscu.com/accounts/christmas-club
- mycrossroadscu.com/account-types
All captured Sep 17, 2026
Kids Klub Share
0.25%APY
For ages 5-10 years. Requires an adult custodial parent or guardian as joint owner on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly. Minimum balance required is none.Any balance | 0.25% | $25 | Dividends compounded quarterly. Minimum balance required is none. |
Sources (3)
- mycrossroadscu.com/accounts/share-accounts
- mycrossroadscu.com/accounts/youth-accounts
- mycrossroadscu.com/account-types
All captured Sep 17, 2026
Little Tikes Share
0.25%APY
For ages 0-4 years. Requires an adult custodial parent or guardian as joint owner on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly. Minimum balance required is none.Any balance | 0.25% | $25 | Dividends compounded quarterly. Minimum balance required is none. |
Sources (3)
- mycrossroadscu.com/accounts/share-accounts
- mycrossroadscu.com/accounts/youth-accounts
- mycrossroadscu.com/account-types
All captured Sep 17, 2026
Savvy Savers Share
0.25%APY
For ages 11-17 years. Requires an adult custodial parent or guardian as joint owner on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly. Minimum balance required is none.Any balance | 0.25% | $25 | Dividends compounded quarterly. Minimum balance required is none. |
Sources (3)
- mycrossroadscu.com/accounts/share-accounts
- mycrossroadscu.com/accounts/youth-accounts
- mycrossroadscu.com/account-types
All captured Sep 17, 2026
Who can join Highway Crossroads Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Cape Girardeau, New Madrid, Mississippi, Scott, or Stoddard County in Missouri are eligible for membership.
Military, government and schools
- Employees and retirees of the Missouri Department of Transportation (Southeast District) and the Missouri State Highway Patrol (Troop E) are eligible to join.
Family and household
- Family members of any existing credit union member are eligible for membership.
Cost to join
- Membership requires opening a Share (Savings) Account with a $30.00 deposit and maintaining a $30.00 minimum balance.
Membership information collected October 4, 2026.