--- title: "Crossroads Community Credit Union Rates (Nov 2026): CDs to 3.60%" description: "Crossroads Community Credit Union rates today: savings & CDs up to 3.60% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Crossroads Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/crossroads-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Crossroads Community Credit Union Rates (Nov 2026): CDs to 3.60% ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 11.900% | — | Standard | Crossroads Community Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **IRA** ira | — APY | 1.00% | — | Standard | | **Share Account Balances* $25.00 – $9,999.99 $10,000.00+** share_savings | — APY | 1.00% | — | Standard | | **Money Market Share Account Balances* $2,500.00 – $9,999.99 $10,000.00 – $49,999.99 $50,000.00+** money_market | — APY | 1.35% | — | Standard | | **24-Month Certificate** share_certificate_24mo | 3.40% APY | 3.35% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.45% APY | 3.40% | 36 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.50% APY | 3.45% | 12 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.50% APY | 3.45% | 18 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.50% APY | 3.45% | 48 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.50% APY | 3.45% | 6 mo | Standard | | **9-Month Certificate** share_certificate_9mo | 3.50% APY | 3.45% | 9 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.60% APY | 3.55% | 60 mo | Standard | Crossroads Community Credit Union savings & cd rates as of November 13, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Up to 180 months ($20,001+)** other | — % | 7.000% | — | Standard | | **Up to 120 months (up to $20,000)** other | — % | 7.000% | — | Standard | | **Up to 60 months ($10,000)** other | — % | 7.240% | — | Standard | | **61 - 120 Months ($10,001 - $25,000)** other | — % | 7.490% | — | Standard | | **121 - 180 Months ($25,001+)** other | — % | 7.740% | — | Standard | Crossroads Community Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 3.60% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/crossroads-community) , verified from [Crossroads Community Credit Union's official website](https://crcfcu.com/) Loading branch locator… ## About Crossroads Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.2K Assets $94.8M Founded 1938 Locations reported 2 NCUA charter 2508 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Circuit** MAIN OFFICE · CHEEKTOWAGA · NY · 14227-1044 About 1.3 miles away](https://rateapi.dev/credit-unions/new-york/circuit) [**Town of Cheektowaga** TOWN OF CHEEKTOWAGA FCU · CHEEKTOWAGA · NY · 14227-1033 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/town-of-cheektowaga) [**Empower** Cheektowaga · Cheektowaga · NY · 14225-4720 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**One Credit Union of NY** Union Road · Cheektowaga · NY · 14225-5127 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/one-credit-union-of-ny) [**Empire One** Main Office · Cheektowaga · NY · 14206 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/empire-one) [**Buffalo Conrail** Buffalo Conrail FCU · Cheektowaga · NY · 14206 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/buffalo-conrail) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Crossroads Community Credit Union Membership eligibility from Crossroads Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Crossroads Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location NY Verified from [Crossroads Community Credit Union's membership page](https://crcfcu.com/join-crossroads/) . Final membership determination is always made by the credit union. ## Membership rules for Crossroads Community Credit Union Geography 1 county · Family 87 published paths to membership, last verified November 1, 2026, quoted from Crossroads Community Credit Union’s own published criteria. ### Geography 18 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 1, 2026 - Amherst, NY - Blasdell, NY - Buffalo, NY - Cheektowaga, NY - Clarence, NY - Depew, NY - East Aurora, NY - Elma, NY - Erie County, NY - Grand Island, NY - Hamburg, NY - Kenmore, NY - Lackawanna, NY - Lancaster, NY - Orchard Park, NY - Tonawanda, NY - West Seneca, NY - Williamsville, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Erie County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 1, 2026 - Family of a member immediate family “or you have an immediate family member who belongs to CrossRoads Community Federal Credit Union, you are eligible to join.” > [source ↗](https://crcfcu.com/join-crossroads/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Crossroads Community Credit Union? Yes No ## Work at Crossroads Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Crossroads Community Credit Union ranks against New York peers. - See which AI assistants fetched Crossroads Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=crossroads-community&state=new-york&code=NY&name=Crossroads%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Crossroads Community Credit Union offer? Crossroads Community Credit Union currently offers credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Crossroads Community Credit Union rates updated? RateAPI verifies Crossroads Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Crossroads Community Credit Union's rate data? Rate data is collected directly from Crossroads Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Crossroads Community Credit Union's best CD rate? As of November 13, 2026, Crossroads Community Credit Union offers savings and certificate (CD) yields up to 3.60% APY. ### Who can join Crossroads Community Credit Union? Crossroads Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 87 published membership paths covering 1 county for Crossroads Community Credit Union, each quoted from Crossroads Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Crossroads Community Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://crcfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Crossroads Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Crossroads Community Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /crossroads-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Crossroads Community Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/crossroads-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp