Cross County Savings Bank savings and money market rates
Cross County Savings Bank's Passbook Savings lists 0.25% APY. That is 0.12 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #1519 of 2929 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1311.
Estimate your earnings·What Cross County Savings Bank actually pays
Cross County Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.25% · Passbook Savings |
| Minimum to open | $500 · Passbook Savings |
| Against the national average | 0.12 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| Money market | |
| Top money market APY | 0.40% · Premier Money Market · needs at least $15,000 |
| Minimum to open | $15,000 · Premier Money Market |
| Against the national average | 0.23 percentage points below the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 30260 · Middle Village, NY |
|---|---|
| Website | www.crosscounty.com |
| Branches | 6 branches in NY |
| Availability | Available in NY |
Cross County Savings Bank savings and money market rates
Personal
How the rate applies
How the rate applies
Business
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 12.00%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Interactive Tool
Calculate Savings for Cross County Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$432.00(1.5%)
- Total Contributions$13,000
- Initial Deposit$15,000
Projected Balance
$28,432.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Cross County Savings Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Cross County Savings Bank paid a higher average rate on savings and money market deposits than 12% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
- Cross County Savings Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the 3,938 banks that reported a figure for the quarter ending June 30, 2026.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Passbook Savings | 0.25% | $500 | $0 | None | not stated | None | One rate | |
| Statement Savings | 0.25% | $300 | $0 | None | not stated | None | One rate | |
| Stepping Stone Savings | 0.25% | $1 | $0 | None | not stated | None | One rate | |
| Model Safe Statement Savings | 0.20% | $1 | $0 | None | not stated | None | One rate | |
| Holiday Club | 0.15% | $10 | $0 | None | not stated | None | One rate | |
| Fine print: Preauthorized, automatic, and computer transfers from this account to another account or to a third party are not permitted. At account opening you choose how the balance is paid out, either a check mailed to the address on file or a deposit into a Cross County Savings Bank checking or savings account. A check is mailed if no choice is made. | ||||||||
| Premier Money Market | 0.40% | $15,000 | $1 | None | not stated | None | Tiered | |
| Money Market | Up to 0.40% | $2,500 | $1 | None | not stated | None | Tiered | |
| Fine print: $2,500 is required to open the account. The lowest balance tier covers balances up to $2,500, so it applies only if the balance later falls below the opening minimum. | ||||||||
| Business | ||||||||
| Premier Business Money Market | 0.40% | $15,000 | $1 | None | not stated | None | Tiered | |
| Community Business Savings | 0.10% | $500 | $0 | None | not stated | None | One rate | |
Fine print for 3 products above: Preauthorized, automatic, and computer transfers from this account to another account or to a third party are not permitted.
Fine print for 2 products above: $15,000 is required to open the account. The lower balance tier applies only if the daily balance later falls below $15,000.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
Opening and using the account
| Availability | Available in NY |
|---|---|
| Footprint | 6 branches in NY |
| Eligibility | not stated |
How Cross County Savings Bank behaves over time
Every observation of the advertised Passbook Savings rate in the last 12 months was 0.25% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
- Passbook Savings
- The same as 30 days ago.
- Premier Money Market
- The same as 30 days ago.
- Rate last changed
- Aug 31, 2026(effective date)
$10,000 at the 0.25% APY Cross County Savings Bank advertises on Passbook Savings grows to $10,025 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,695 does today. See how the federal funds rate shapes savings rates.
Who is Cross County Savings Bank?
| Headquarters | Middle Village, NY |
|---|---|
| Founded | 1888 |
| Scale | $525M assets · $447M deposits, $361M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 30260 |
| Charter state | New York · one of 107 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,709th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 13% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Cross County Savings Bank pays on deposits above.
Common questions about Cross County Savings Bank
Is Cross County Savings Bank FDIC insured?
Yes. Cross County Savings Bank is FDIC insured under certificate 30260, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Cross County Savings Bank?
Cross County Savings Bank requires a minimum deposit of $500 to open its Passbook Savings account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does Cross County Savings Bank have branches?
Yes. Cross County Savings Bank operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
Cross County Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Cross County Savings Bank | 0.25% | 0.41% | $500 | 6 branches in NY |
| Adrian Bank | 0.25% | 1.02% | $100 | 3 branches in MO |
| Alliance Community Bank | 0.25% | 0.56% | $100 | 6 branches in IL |
| Anderson Brothers Bank | 0.25% | 2.57% | $50 | 27 branches in SC |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Cross County Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in New York, nearest to Cross County Savings Bank in deposits:
Rate hubs: today's highest savings rates, and money market rates.
State pages: savings rates in New York, money market rates in New York, and banks in New York.