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iAdvertiser Disclosure
Advertiser Disclosure
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 Crossroads Community Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Crossroads Community Federal Credit Union's 60 month CD rates are at 3.60%, 12 month CD rates are at 3.50%, 18 month CD rates are at 3.50%, 48 month CD rates are at 3.50%, 6 month CD rates are at 3.50%. Crossroads Community Federal Credit Union's money market rates are at 1.35%. Crossroads Community Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Crossroads Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.17%. Rates were last updated on 04/11/2026. Crossroads Community Federal Credit Union 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 Community Federal Credit Union? Share your experience about Crossroads Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Crossroads Community Federal Credit Union. Crossroads Community Federal Credit Union
Main 3031 William Street 3031 William St
https://www.crcfcu.com Cheektowaga, NY 14227 
Crossroads Community Federal Credit Union CD Rates
Crossroads Community Federal Credit Union Savings Rates
Crossroads Community Federal Credit Union Money Market Rates
Crossroads Community Federal Credit Union Home Equity & HELOC
Crossroads Community Federal Credit Union Auto Loan Rates
Crossroads Community Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Crossroads Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Crossroads Community Federal Credit Union 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 Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Crossroads Community Federal Credit Union
Website
https://www.crcfcu.com
Address
3031 William St,
Cheektowaga, NY 14227
Phone
716-896-8084
Fax
716-896-8086
President
Joseph Porempski
CEO
Kimberly Turski
Full-Time Employees
11
Part-Time Employees
2
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.17%
Return on Assets (ROA)
1.3250%
Return on Equity (ROE)
8.9721%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
92,281,356
Total Amount of Shares and Deposits
78,596,833
Total Shares and Deposits < 1 Year
77,855,280
Total Shares and Deposits 1 3 Years
636,527
Total Shares and Deposits > 3 Years
105,026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,654,168
Total Uninsured Shares and Deposits > $250K (F+J)
2,654,168
Total Insured Shares and Deposits > $250K (item 17 less item K)
75,942,665
Total Interest Expense (Sum of items 6 8)
695,538
Share Certificates
330
Number of Accounts for Share Drafts
2,312
IRA KEOGH Accounts
127
Number of Accounts for Regular Shares
5,694
Money Market Shares
60
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,598,215
Total Liabilities
78,676,865
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Crossroads Community Federal Credit UnionIs Crossroads Community Federal Credit Union a safe place to deposit money?Yes, Crossroads Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.16561466742784%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Crossroads Community Federal Credit Union operate?Crossroads Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Crossroads Community Federal Credit Union?Yes, to access services at Crossroads Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Crossroads Community Federal Credit Union 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 Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Crossroads Community Federal Credit Union offer online and mobile banking?Most modern institutions like Crossroads Community Federal Credit Union 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.crcfcu.com. Current Crossroads Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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