More Financial Resources. More Answers. More Peace of Mind.

At Crews Bank & Trust, we work hard to give you a world of resources, all with a local community touch. Whether it’s a visit to financial literacy information, figuring out a payment via one of our financial calculators, or just finding an answer from a list of frequently asked questions, we’ve got you covered.


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Crews Bank & Trust offers you a handful of different financial calculators all designed to help you explore, solve, and revisit your financial needs and opportunities.

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Financial Literacy

My_Money_Program_LogoThe My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members and caregivers.

Kids’ Corner

These days, it pays for kids to learn about money sooner rather than later. Take a look at these kid-friendly tools to make learning about finances fun!

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Teens’ Lounge

Need a better way to talk money to your teenager? Find new ways to break through the clutter to help them learn more about the financial world.

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Routing Number

Looking for information to set up direct deposit? Looking to plug into online payments? We’ve got all the information you need.

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Get answers to frequently asked questions about online and mobile banking, debit cards, MobiMoney, loans, safeguarding trust assets and more!

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Online banking tutorials

When you need to explore and understand online functionality, our online banking tutorials are a helpful source for answers and know-how.

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Security Resources

Learn about the steps you can take to make your computer and personal information more secure.

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Market showing resiliency in some sectors

Despite the concerns about strained relations with China, increased COVID infections, social protests, weaker earnings, high U.S. unemployment and the November election, the S&P 500 Index is up 1% for the year while the Nasdaq Index is up 19.7%. The increasing spread of the virus is suppressing a healthy economic recovery as consumers and businesses remain conservative in their spending. U.S. leadership in Washington is debating another stimulus package. Most likely this new stimulus will lengthen unemployment benefits, provide potential small business support and may even offer state and municipal government aid. Even in a divisive election year, the probability is that some stimulus package will be negotiated before Congress goes on August recess.

The Federal Reserve has indicated that they are willing to support the economy in any way they can citing the strong headwinds of the virus. They will undoubtedly buy more bonds and support the liquidity of the markets. Their support of the short-term and long-term fixed income market has kept interest rates below the subdued 1.2% inflation rate with the 10-Year U.S. Treasury bond now yielding 0.55%.

Equity investor sentiment has improved, also due to better than expected corporate earnings reports. Recent earnings releases for high-quality technology, discretionary and healthcare sector stocks have demonstrated resiliency to the economic lockdown. Energy, basic materials and utility company earnings have been generally disappointing. Metals like gold and silver are rising based on investors seeking safe-haven assets.

The S&P 500 Index has gained 46% since the March 23 bottom and this move should moderate until we see more corporate revenue and earnings growth. The rotation to value stocks may become more prevalent over the summer since growth and momentum stocks have stretched valuations. The S&P 5 (Apple, Amazon, Alphabet, Facebook and Microsoft) all have had strong equity performance and earnings reflecting the success of the digital economy. The banking, real estate and industrial sectors are lagging, but likely will have a better second half of the year. Since bonds offer little real return after inflation, these sustainable, high-quality dividend stocks will become more important to investors.

Although it is too early to consider the November election effects on the markets, we have to ask what will happen if there is a Democratic sweep? The presidential election is most likely going to be close and there will undoubtedly be some uncertainty about the vote count. We should remember that over the past 100 years, stocks have performed better under Democratic presidents than Republican presidents. Nevertheless, this is an unusual year with progressive discussions focused on more corporate regulation, higher corporate taxes, new social programs, police reform and sustainable energy. The next 100 days will undoubtedly be an interesting time.

I hope you and your family stay healthy and have a great remainder of the summer!

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Highlighting Highlighters

I normally do not make a practice of working from home, but with safe distancing and travel limitations sparked by the pandemic, staying home was something many were following.After setting up my home office and starting some projects, I reached for my yellow highlighter, then laughed because I didn’t have one at home, then resorted to using Post-it Notes.I realized just how often I used my yellow highlighter at work and decided to pick one up the next time I went to the office. I find it handy to use a highlighter, which has become part of my work process. I’m sure many of you feel similarly.With that being said, I do want to issue a warning about highlighters, be they yellow, pink, or blue: Never use them on your original estate-planning documents. The same goes for using Post-it Notes or worse yet, crossing out text and handwriting changes in the margins. These attempts at changes could possibly create unforeseen issues.

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Investment Market Update, Q2 2020

The S&P 500 Index showed great resilience to the negative news flow and achieved the best quarterly performance since 1998. Despite media reports about the virus infection rate increases, potential new tariffs on European and Chinese goods, and early Presidential election polls, the market rebounded from the first quarter decline. The S&P 500 Index is still down by 4% year-to-date, but the Nasdaq is up 12.1%. This disparity is the real news for the markets as investors crowd into the digital age/new economy companies while remaining indifferent to the deep value and cyclically-oriented sectors. Apple, Amazon, Alphabet, Microsoft and Facebook were the dominant market leaders while Boeing, Caterpillar, General Electric and General Motors all declined. The information technology sector rose 31% in the first half of the year, basic materials declined 4%, industrials fell 10%, financials dropped 17%, and energy cratered 40%. Small cap and mid-cap indexes underperformed, with declines of 13% each, which indicates investors are wary of the heavy-weightings in deeply cyclical bank, retail and REIT stocks.

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With frequent contributions by all kinds of financial experts, the official Crews Bank & Trust blog can help you gain valuable insight and get helpful advice.

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