Hickory Point Bank and Trust offers a wide variety of certificates of deposit with terms to fit your needs.  Competitive interest rates and opening deposits as low as $500.   

The Self-Rising Rate Change Option can be added to a C.D. at the time of opening for all certificates that have a term of 12 months or longer with a $10,000 minimum deposit.  At your discretion, you may change the interest rate on the account once during the original term to the current interest rate.  You must notify the bank to exercise this option.  The initial interest rate will be in effect until maturity unless you instruct us to exercise your self rising rate change option.  This does not extend the term of the CD.

Offer not available for IRA accounts.  Penalty may be imposed for early withdrawal. 

Consult a personal banker for more information.