Crossroads Bank

Rates effective as of 11/24/2008

Certificate of Deposit Rates Individual Retirement Account Rates
Account Type	Frequency of Compounding	Minimum Deposit	Minimum Balance to Earn APY*	Interest Rate	APY*
3 Month CD	# Quarterly	$1,000.00	$1,000.00	2.50%	2.52%
6 Month CD	# Semi-Annually	$1,000.00	$1,000.00	3.00%	3.02%
12 Month CD	# Semi-Annually	$500.00	$500.00	3.50%	3.53%
18 Month CD	@ Semi-Annually	$500.00	$500.00	3.55%	3.58%
24 Month CD	@ Semi-Annually	$500.00	$500.00	3.65%	3.68%
30 Month CD	@ Semi-Annually	$500.00	$500.00	3.75%	3.79%
36 Month CD	@ Semi-Annually	$500.00	$500.00	4.05%	4.09%
48 Month CD	& Semi-Annually	$500.00	$500.00	4.40%	4.45%
60 Month CD	& Semi-Annually	$500.00	$500.00	4.50%	4.55%

*APY = Annual Percentage Yield / The APY assumes interest will remain on deposit. A withdrawal will reduce earnings. Rates are subject to change at any time without notice. Certificates not automatically renewed will not earn interest after maturity. All certificates may be automatically renewable unless noted otherwise. There is a 10 day grace period on automatically renewed CDs. IRA Certificates will automatically renew. A penalty may be imposed for withdrawals before maturity on Certificates of Deposit. # - Penalty for early withdrawal equal to 30 days interest @ - Penalty for early withdrawal equal to 90 days interest & - Penalty for early withdrawal equal to 180 days interest Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Effingham First CD Rates
Account Type	Frequency of Compounding	Minimum Deposit	Minimum Balance to Earn APY*	Interest Rate	APY*
6 Month Variable CD	# N/A	$1,000.00	$1,000.00	.75%	.75%
12 Month Variable CD	# N/A	$1,000.00	$1,000.00	1.00%	1.00%
*APY = Annual Percentage Yield / The APY assumes interest will remain on deposit. A withdrawal will reduce earnings. Rates are subject to change at any time without notice. For variable rate accounts the rate may change after the account is opened. Certificates are automatically renewed. A penalty may be imposed for withdrawals before maturity on Certificates of Deposit. # - Penalty for early withdrawal equal to 30 days interest @ - Penalty for early withdrawal equal to 90 days interest & - Penalty for early withdrawal equal to 180 days interest Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Opportunity CD Rate
Account Type	Frequency of Compounding	Minimum Deposit	Minimum Balance to Earn APY*	Interest Rate	APY*
33 Month Opportunity CD	# At Each 11 Month Interval	$1,000.00	$1,000.00	See Below	2.33%
	1-11 Months			3.55%
	12-22 Months			2.00%
	23-33 Months			1.50%
*APY = Annual Percentage Yield / The APY assumes interest will remain on deposit. A withdrawal will reduce earnings. Rates are subject to change at any time without notice. Withdrawal at month 11 & 22 allowed with no penalty, 10 day grace period. Certificates not automatically renewed will not earn interest after maturity. All certificates may be automatically renewable unless noted otherwise. There is a 10 day grace period on automatically renewed CDs. A penalty may be imposed for withdrawals before maturity on Certificates of Deposit. # - Penalty for early withdrawal equal to 30 days interest @ - Penalty for early withdrawal equal to 90 days interest & - Penalty for early withdrawal equal to 180 days interest Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Checking Account Rates
Account Type	Frequency of Compounding	Minimum Deposit	Minimum Daily Balance to Earn APY	Interest Rate	APY*
Regular Checking	NA	$50.00	NA	NA	NA
Effingham First Checking	Monthly	$50.00	See Tiers Below	See Tiers Below
			$0.00 - 30,000	5.94%	6.10%
			Over $30,000	1.98%	2.00%
			Do not meet requirements	.10%	.10%
Bonus Checking	Monthly	$50.00	NA	0.50%	0.50%
Young At Heart Checking	Monthly	NA	NA	0.50%	0.50%
Super NOW	Monthly	$50.00	See tiers below	See tiers below	0.50%
			$0.00 - 49,999.99	0.75%	0.75%
			$50,000 - 99,999.99	0.95%	0.95%
			$100,000 and over	1.15%	1.16%
Effingham First Money Market	Monthly	$1,500.00	See Tiers Below
			$0.00 - 4,999	0.50%	0.50%
			$5,000 - 19,999.99	.75%	.75%
			$20,000.00 - above	1.75%	1.75%
Effingham First Business Money Market	Monthly	$1,500.00	See tiers below
			$0.00 - 4,999	0.50%	0.50%
			$5,000 - 19,999.99	.75%	.75%
			$20,000.00 - above	1.75%	1.75%
Health Savings Account	Monthly	$100.00	NA	3.50%	3.56%
*APY = Annual Percentage Yield / The APY assumes interest remains on deposit. A withdrawal will reduce earnings. Rates are subject to change at any time without notice. Under Regulation D the right is reserved to require a written notice of not less than 7 days before a withdrawal is made. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Accrued interest less than $1.00 will not be paid upon account closing. Fees may reduce the earnings on the accounts. For Effingham First Checking Account, accountholders must have 20 or more Visa Debit Card Transactions and receive e-statements to receive interest rate. Effingham First Checking Accounts closed before interest is credited will not receive the accrued interest.

Savings Account Rates
Account Type	Frequency of Compounding	Minimum Deposit	Minimum Daily Balance to Earn APY	Interest Rate	APY*
Savings Accounts	Quarterly	$50.00	See tiers below	See tiers below
			$0.00 - 49,999.99	0.50%	0.50%
			$50,000 - 99,999.99	0.75%	0.75%
			$100,000 and over	1.00%	1.00%


There is a $0.50 charge for each withdrawal in excess of 3 per four-week period. *APY = Annual Percentage Yield / The APY assumes interest remains on deposit. A withdrawal will reduce earnings. Rates are subject to change at any time without notice. Under Regulation D the right is reserved to require a written notice of not less than 7 days before a withdrawal is made. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Accrued interest less than $1.00 will not be paid upon account closing. Fees may reduce the earnings on the accounts.

Return to Top

FDIC

Equal Housing Lender

NOTICE: Crossroads Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.