Personal Banking

Certificates of Deposit

• Regular CD
• Effingham First CD
• Opportunity CD
• Current Rates

Regular CD

Are you looking for higher interest rates and are able to commit funds for a specific period of time? Crossroads Bank offers CD’s in varying terms to meet your investment needs.

Available products:

• 3 Month CD
• 6 Month CD
• 12 Month CD
• 18 Month CD
• 24 Month CD
• 30 Month CD
• 36 Month CD
• 48 Month CD
• 60 Month CD
• Click HERE for current rates.

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Effingham First CD

Nothing remains the same, so why should the rate on your CD? Try something new! Try a Crossroads Bank's variable rate Certificate of Deposit. With a variable rate CD your interest rate will fluctuate in accordance with current rate trends.

Available products:

• 6 Month Variable CD
• 12 Month Variable CD
• Click here for rates.

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Opportunity CD

The Opportunity CD gives you the opportunity to get a guaranteed rate increase at the end of each eleven-month term. You may redeem your certificate at each eleven-month interval without penalty. Interest will compound at each interval.

Click here for rates.

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