Crossroads Bank


The friendly atmosphere and welcoming spirit at Crossroads Bank helps make each interaction pleasant. We are here to serve you – our valued customers. The staff is dedicated and passionate about the future of the bank, as well as the financial well-being of all those who bank with us. The Board of Directors is extremely valuable to the growth and success of Crossroads Bank. They understand the importance of having a competitive edge and they embrace the accelerating changes in today’s technology.

Crossroads Bank offers excellent services and products for everyone. We cover lending options for commercial, mortgage, and personal needs, as well as offer Trust Services. We know how important technology is in today’s world so we will continue to keep pace with technological innovations in the banking industry. For example, the proliferation of online banking services has made it possible for Crossroads Bank to keep our customers who have moved out of the area. You can live anywhere and still bank at Crossroads Bank! Whatever the reason or whichever the direction you are headed in life, all roads will lead you to Crossroads Bank. The bank remains locally owned and operated; we are truly a Community Bank!

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card

HSA Interest Rates

Interest rates for various balance tiers
$0.00+ 0.35% APY
Last checked on: 05-30-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $10 / year*
Account Opening Fee Unknown
Account Closing Fee Unknown

* Annual fee waived for first year.

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 2000 S. Banker Street
Effingham, IL 62401

Customer Service

Mailing Address Crossroads Bank
P.O. Box 783
Effingham, IL 62401
Phone Number