What are the current interest rates at Crossroads Bank Effingham, IL?

Current rates for Crossroads Bank Effingham, IL include: 12-Month CD: 3.60%, 18-Month CD: 3.50%, 24-Month CD: 3.86%, 36-Month CD: 3.20%, 48-Month CD: 3.25%, 60-Month CD: 3.30%, Savings: 4.00%, MMA: 0.30%

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Crossroads Bank Effingham, IL

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Crossroads Bank Effingham, IL Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Crossroads Bank Effingham, IL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Crossroads Bank Effingham, IL's top rates as of October 11, 2026 are 4.10% APY on its 17-Month CD Special, 4.00% APY on savings, 0.30% APY on money market accounts, and 7.625% on its 15-year Fixed Mortgage, according to rates verified by MonitorBankRates. Other Crossroads Bank Effingham, IL CD rates include 24-Month CD at 3.86%, 12-Month CD at 3.60%, and 6-Month CD at 3.60%. Other Crossroads Bank Effingham, IL mortgage rates include 20-year Fixed Mortgage at 7.625%, 30-year Fixed Mortgage at 7.75%, and 20-year Fixed at 7.625%. MonitorBankRates evaluates the financial stability of Crossroads Bank Effingham, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates last updated and verified on 10/11/2026.

Crossroads Bank Effingham, IL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Crossroads Bank Effingham, IL? Share your experience about Crossroads Bank Effingham, IL by leaving a review below, or read customer reviews before you decide to use Crossroads Bank Effingham, IL.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Crossroads Bank

2000 S Banker St
Effingham, IL 62401

https://www.crossroadsbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Crossroads Bank Effingham, IL CD Rates

Product	Rate	APY	Term
17-Month CD Special	4.06%	4.10%	17-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
24-Month CD	3.82%	3.86%	24-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.86% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
12-Month CD	3.57%	3.60%	12-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
6-Month CD	3.57%	3.60%	6-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
18-Month CD	3.47%	3.50%	18-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 3.76% → 3.50% ▼ 0.26 pts · high 3.76% / low 3.50% Oct 11, 20263.50%▼ from 3.76% Sep 19, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
60-Month CD	3.27%	3.30%	60-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
48-Month CD	3.22%	3.25%	48-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
36-Month CD	3.17%	3.20%	36-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
3-Month CD	2.97%	3.00%	3-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
30-Month CD	1.49%	1.50%	30-Month
Min Deposit $2,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Crossroads Bank Effingham, IL Savings Rates

Product	Rate	APY
Christmas Savings Account	4.00%	4.00%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $2,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Christmas Savings Account	3.25%	3.25%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000.01 - above Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Health Savings Account	1.49%	1.50%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 and Over Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Health Savings Account	0.50%	0.50%
Min Deposit $100 Min Balance $250 Details Balance: $250.00 - $9,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Christmas Savings Account (Annually)	0.10%	0.10%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Read for Dollars Savings Account (Quarterly)	0.10%	0.10%
Min Deposit $25 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Crossroads Bank Effingham, IL Business Savings Rates

Product	Rate	APY
Personal / Business Savings	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000 - above; Penalty: N/A Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Personal / Business Savings	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Penalty: N/A Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Crossroads Bank Effingham, IL Money Market Rates

Product	Rate	APY
Money Market	0.30%	0.30%
Min Balance $250,000 Details Balance: $250,000 AND OVER; Penalty: N/A Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Penalty: N/A Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99.999.99; Penalty: N/A Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Penalty: N/A Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Crossroads Bank Effingham, IL Mortgage Rates

Product	Rate	Points	APR	Term
15-year Fixed Mortgage	7.625%	-	7.625%	15 years
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 7.21% → 7.63% ▲ 0.42 pts · high 7.84% / low 7.21% Oct 11, 20267.63%▼ from 7.84% Oct 7, 20267.84%▲ from 7.71% Sep 24, 20267.71%▲ from 7.33% Sep 19, 20267.33%▲ from 7.21% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
20-year Fixed Mortgage	7.625%	-	7.625%	20 years
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 7.42% → 7.63% ▲ 0.21 pts · high 8.05% / low 7.42% Oct 11, 20267.63%▼ from 8.05% Oct 7, 20268.05%▲ from 7.67% Sep 24, 20267.67%▲ from 7.54% Sep 19, 20267.54%▲ from 7.42% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
30-year Fixed Mortgage	7.75%	-	7.75%	30 years
No additional details. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 7.51% → 7.75% ▲ 0.24 pts · high 8.14% / low 7.51% Oct 11, 20267.75%▼ from 8.14% Oct 7, 20268.14%▲ from 7.76% Sep 24, 20267.76%▲ from 7.63% Sep 19, 20267.63%▲ from 7.51% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
20-year Fixed	7.625%	-	7.796%	20-year
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 7.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
15-year Fixed	7.625%	-	7.835%	15-year
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 7.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
30-year Fixed	7.75%	-	7.884%	30-year
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 7.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
30-year Fixed Guaranteed Rural Housing (No Down Payment)	8.00%	1.000%	8.611%	30-year
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 8.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Crossroads Bank Effingham, IL Other Rates

Product	Rate	Points	APY/APR	Term
Christmas Savings Account	4.00%	-	4.00%	12 months
Min Deposit $50 Min Balance $0 Details Balance: $0 - $1,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Christmas Savings Account	3.25%	-	3.25%	12 months
Min Balance $2,000 Details Balance: $2,000. - above Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Crossroads Bank Effingham, IL’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$235M	0.27%	5.0	A+
March 31, 2026	$240M	0.18%	5.0	A+
December 31, 2025	$237M	0.00%	5.0	A+
September 30, 2025	$226M	0.00%	5.0	A+
June 30, 2025	$220M	0.00%	5.0	A+
March 31, 2025	$218M	0.00%	5.0	A+
December 31, 2024	$219M	0.00%	5.0	A+
September 30, 2024	$222M	0.00%	5.0	A+
June 30, 2024	$221M	0.00%	5.0	A+
March 31, 2024	$223M	0.00%	5.0	A+
December 31, 2023	$215M	0.00%	5.0	A+
September 30, 2023	$207M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Crossroads Bank Effingham, IL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Crossroads Bank Effingham, IL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Crossroads Bank Effingham, IL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Crossroads Bank Effingham, IL

Bank Holding Company OMNI BCORP INC

Address 2000 S Banker St, Effingham, IL 62401 · Effingham

Website https://www.crossroadsbank.com

FDIC Certificate # 21486

Established 19740312

FDIC Insurance Date 19740312

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3911%

Return on Equity (ROE) 10.2300%

Non-Performing Loans (NPL) 0.04%

Total Assets $234,740,000

Total Deposits $195,000,000

Equity Capital $33,048,000

Net Income $1,650,000

Headquarters Effingham

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Crossroads Bank Effingham, IL earned the Verified Healthy badge

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Frequently Asked Questions About Crossroads Bank Effingham, IL

How many branches does Crossroads Bank Effingham, IL operate?

Crossroads Bank Effingham, IL currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Crossroads Bank Effingham, IL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Crossroads Bank Effingham, IL provides members with tools to manage their accounts and build a solid financial history.

Does Crossroads Bank Effingham, IL offer online and mobile banking?

Most modern institutions like Crossroads Bank Effingham, IL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.crossroadsbank.com.