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Deposit Rates & Terms

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Annual Percentage Yield Accurate as of 10/8/2025

Blue Chip (Monthly) ** 1

TierRateAPYMinimum DepositPenalty
$0 - $10,0001.73%1.75%$50N/A
Balances over $10,0000.20%0.20%N/AN/A
If requirements are not met0.01%0.01%N/AN/A

Learn More About Blue Chip Checking Accounts

Basic Blue

TierRateAPYMinimum DepositPenalty
N/AN/AN/A$50$3 fee if balance falls below $100

Learn More About Basic Blue Checking Accounts

Coffee Club (Monthly) ** 2

TierRateAPYMinimum DepositPenalty
N/A0.10%0.10%$1,000$3 fee if balance falls below $1,000

Learn More About Coffee Club Checking Accounts

Money Market (Monthly) **

TierRateAPYMinimum DepositPenalty
$0 - $9,999.990.10%0.10%$1,000$3 fee if balance falls below $1,000
$10,000 - $49,999.990.15%0.15%N/AN/A
$50,000 - $99.999.990.20%0.20%N/AN/A
$100,000.00 - $249,999.990.25%0.25%N/AN/A
$250,000 AND OVER 0.30%0.30%N/AN/A

Learn More About Money Market Checking Accounts

Personal / Business Savings (Quarterly) ** 3

TierRateAPYMinimum DepositPenalty
$0 - $24,999.990.10%0.10%$50$.50 fee if balance falls below $50
$25,000 - $49,999.990.20%0.20%N/AN/A
$50,000 - above0.35%0.35%N/AN/A

Learn More About Regular Savings Accounts

Christmas Savings Account (Annually) ** 6

TierRateAPYMinimum Deposit
N/A0.10%0.10%N/A

Super Christmas Club (Annually) ** 4 & 6

You must have at least one other account with us.

TierRateAPYMinimum Deposit
$0 - $2,0004.00%4.00%$1
$2,000.01 - above3.25%3.25%N/A

Learn More About Christmas Club Savings Accounts

Vacation Club (Annually) ** 5 & 6

TierRateAPYMinimum Deposit
$0 - $2,0004.00%4.00%$50
$2,000.01 - above3.25%3.25%N/A

Learn More About Vacation Club Savings Accounts

Read for Dollars Savings Account (Quarterly) ** 8

TierRateAPYMinimum Deposit
N/A0.10%0.10%$50

Learn More About Read for Dollars Savings Accounts

Health Savings Account (Monthly) **

TierRateAPYMinimum Deposit
$0.00 - $249.990.00%0.00%$100
$250.00 - $9,999.990.50%0.50%
$10,000 and Over1.49%1.50%

Learn More About Health Savings Accounts

Certificates of Deposit & Individual Retirement Account Rates **

TermRateAPYMinimum DepositFrequency of CompoundingEarly Withdrawal Penalty
3-Month CD3.21%3.25%$2,000Quarterly90 days interest
6-Month CD3.96%4.00%$2,000Semi-Annual90 days interest
12-Month CD3.81%3.85%$2,000Semi-Annual90 days interest
18-Month CD3.17%3.20%$2,000Semi-Annual180 days interest
24-Month CD3.47%3.50%$2,000Semi-Annual180 days interest
30-Month CD2.98%3.00%$2,000Semi-Annual180 days interest
36-Month CD3.47%3.50%$2,000Semi-Annual180 days interest
48-Month CD3.47%3.50%$2,000Semi-Annual360 days interest
60-Month CD3.47%3.50%$2,000Semi-Annual360 days interest

Learn More About Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)

Important Disclosures

  • **
    • 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 non-cash 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.

 

  1. For Blue Chip Checking Account, account holders must have 20 or more Visa Debit Card transactions and receive e-statements to receive interest rate. Blue Chip Checking Accounts closed before interest is credited will not receive the accrued interest.
  2. For Coffee Club Checking Account, account holders must be 55 years of age or older. A service charge fee of $3 is assessed if the minimum balance of $1,000 is not met.
  3. For Personal / Business Savings, there is a $0.50 charge for each withdrawal in excess of 3 per four-week period.
  4. For Christmas Savings Accounts, Super Christmas Club Accounts, and Vacation Club Account if you close your account before interest is credited you will not receive the accrued interest.
  5. For Christmas Savings Accounts and Super Christmas Club Accounts, no withdrawals will be permitted, except to close the account.
  6. For Vacation Club Accounts, a limit of two withdrawals per calendar year are allowed. Penalties for excess withdrawals will be forfeiting all accrued interest and the account will be closed.
  7. For Super Christmas and Vacation Club, the accounts require a minimum of a monthly deposit of no less than $1 to be credited to the account from a Crossroads Bank checking or savings account via the bank’s automatic transfer system.
  8. For Read for Dollars Accounts, bring your report card to the bank with an “A” in Reading (limit one per school quarter).