Savings

For your long and short term goals

Current Rates

Whether you’re saving for retirement or a rainy day, Crossroads has the savings solutions to help you reach them. From simple, straight-forward solutions to more complex needs, we have you covered.  

Certificates of Deposit

  • A reassuring savings option for a set period of time
  • Minimum deposit of $5,000 for Standard Certificates of Deposit
  • Minimum deposit of $10,000 for Special Certificates of Deposit
  • Interest will automatically compound quarterly, other arrangements available
  • Terms available from 91 days to 60 months

Individual Retirement Accounts (IRA)

  • With guaranteed returns, an IRA CD is a smart choice for a balanced portfolio
  • Minimum deposit of $1,000 for Standard IRA Certificates of Deposit
  • Minimum deposit of $10,000 for Special IRA Certificates of Deposit
  • Interest will automatically compound quarterly
  • Terms available from 91 days to 60 months
  • Insured separately up to $250,000 by FDIC

Statement Savings

  • An easy way to begin building your savings
  • Minimum balance to open account is $100
  • Tiered interest
  • Convenient transaction capabilities – add and withdraw funds as needed
  • Free ATM card
  • Maintaining a minimum monthly balance of $100 avoids a $2 monthly service fee

MAX Money Market

  • An excellent and secure investment account
  • Offers higher rates of interest for balances above $10,000
  • Provides flexibility of having access to your funds
  • Limited check writing privileges
  • Access to your funds with a MasterCard® Debit card
  • Maintaining a minimum daily balance of $10,000 avoids a monthly service fee of $10

Looney Tunes Savings Club

  • A great way for kids to learn the value of saving money
  • Designed for children up to 12 years old
  • A minimum balance of $25 is required
  • Interest credited quarterly

Christmas Club Account

  • Excellent way to save for all those holiday expenses ahead of time
  • Requires a $10 minimum balance
  • Interest is credited semi-annually
  • Account matures annually and funds are mailed out the first week of November
  • Account automatically re-opens the next year after a deposit is made

Health Savings Account (HSA)

  • A smart way to save for present and future medical expenses
  • Interest is paid on a tiered schedule
  • No monthly service fee for maintaining your HSA
  • No enrollment fee to set up your HSA
  • Free ATM/Debit MasterCard® card
  • Funds contributed to your HSA account are tax-deductible* and earn interest on a tax-free basis
  • Withdrawals are tax-free when used for qualifying medical expenses
  • Any unused funds roll over until they are needed
  • Must be covered by an HSA-qualified high deductible health plan to be eligible

Kickstart your savings today. Contact Us

*Consult your tax advisor about your specific tax situation.