Cross River Personal Banking

Bank locally. Think big.

At Cross River, we are consistently and creatively reevaluating the way we service our customers and their communities. Be it online or at our branch, enjoy a secure personal banking experience, with no monthly maintenance or check printing fees, as well as competitive yields on your Checking and Savings accounts, among other benefits.

Personal Checking

Effective: 12/24/2024	Minimum Balance to Obtain Annual Percentage Yield (APY)	Interest Rates	APY*
Regular/E Money Market Account	none	0.25%	0.25%
I Connect Select Checking/E Connect Select Checking	none	0.10%	0.10%

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Personal Savings

Effective: 12/24/2024	Minimum Balance to Obtain Annual Percentage Yield (APY)	Interest Rates	APY*
I Connect/E Connect Savings	none	1.73%	1.75%
I Connect/E Connect Tiered Savings	$0.00-$9,999.99	1.73%	1.75%
	$10,000.00-$49,999.99	2.76%	2.80%
	$50,000.00-$249,999.99	3.30%	3.35%
	$250,000.00-$999,999.99	3.49%	3.55%
	$1,000,000.00 and above	3.83%	3.90%

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Certificate of Deposit

Effective: 12/24/2024	Minimum Balance to Obtain Annual Percentage Yield (APY)	Interest Rates	APY*
3 Month	$500.00	3.44%	3.50%
6 Month	$500.00	4.07%	4.15%
9 Month	$500.00	3.73%	3.80%
12 Month	$500.00	3.63%	3.70%
18 Month	$500.00	3.44%	3.50%
24 Month	$500.00	3.25%	3.30%
36 Month	$500.00	3.05%	3.10%
48 Month	$500.00	2.96%	3.00%

*Annual Percentage Yields (APYs) are accurate as of December 24th 2024. Minimum deposit to open any checking or savings account is $0, certificates of deposit is $500 and minimum balance to obtain APY for all accounts indicated in tables. CDs are subject to penalty for early withdrawal. Fees on checking and savings accounts may reduce earnings. Rates are subject to change at any time.

FDIC deposit insurance is $250,000 per depositor, per insured bank, for each account ownership category.