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Cross County Savings Bank
Cross County Savings Bank is an FDIC insured institution headquartered at
7921 Metropolitan Ave, Middle Village, NY 11379.
It was founded in
1888 and has approximately $1 billion in assets. Customers can open an account at one of its 6 branches.
Deposit Rates - April 23, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.25% | $500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
2.00% | $500 | Compare |
|
6 Mo CD
|
2.15% | $500 | Compare |
|
7 Mo CD
|
2.15% | $500 | Compare |
|
12 Mo CD
|
3.45% | $500 | Compare |
|
14 Mo CD
|
3.25% | $500 | Compare |
|
18 Mo CD
|
3.30% | $500 | Compare |
|
24 Mo CD
|
3.30% | $500 | Compare |
|
30 Mo CD
|
3.30% | $500 | Compare |
|
36 Mo CD
|
3.30% | $500 | Compare |
|
48 Mo CD
|
3.30% | $500 | Compare |
|
60 Mo CD
|
3.20% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.40% | $15,000 | Compare |
|
Money Market
|
0.40% | $75,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.10% | $7,500 |
Loan Rates - April 23, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
7.00% | $2,854.82 |
|
30 Year Fixed Conforming
|
7.95% | $2,321.33 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
7.00% | $2,854.82 |
|
30 Year Fixed Conforming
|
7.95% | $2,321.33 |
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.50% | Varies | ||
Compare with 0 RATE Line of Credit from Figure Home Equity Line
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
|
10 Year Loan
|
6.75% | $1,148.24 | ||
|
15 Year Loan
|
7.00% | $898.83 | ||
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 30260 |
| Date Established | 1888 |
| Assets | $ 529.93 million |
| Loans | $ 400.02 million |
| Deposits | $ 452.25 million |
| Capital | $ 66.75 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 55.32 million |
| Interest-bearing balances | $ 50.38 million |
| Total securities | $ 29.81 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 400.02 million |
| Loan loss allowance | $ 2.03 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 20.29 million |
| Total Assets | $ 463.17 million |
| LIABILITIES | |
| Total deposits | $ 452.25 million |
| Interest-bearing deposits | $ 365.86 million |
| Deposits held in domestic offices | $ 452.25 million |
| % insured (estimated)" | 82.20% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 8.39 millionn |
| Total Liabilities | $ 463.17 million |
| Shareholders’ Equity | $ 66.75 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 24.97 million |
| Total Interest Expense | $ 6.57 million |
| Net interest income | $ 18.40 million |
| Provision for loan and lease losses | $ 0.02 million |
| Total non interest income | $ 1.71 million |
| Total non interest expense | $ 16.67 million |
| Pre-tax Net Operating Income | $ 1.81 million |
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