Checking & Savings Rates

RATES ARE SUBJECT TO CHANGE AT ANY TIME

This rate chart contains interest rates and annual percentage yields (APY) for some of the accounts we offer.  Please contact a personal banker for additional information.

Rates are current as of 06/24/2008

CLASSIC PLUS CHECKING** 
Account Product Name Minimum Opening Deposit   Interest Rate APY
Daily Balances of: $500.00      
$0 - $499.99     .20% .20%
$500.00 - $999.99     .45% .45%
$1000.00 and up     .70% .70%
AMBASSADOR CLUB**
Account Product Name Minimum Opening Deposit   Interest Rate APY
Daily Balances of: $250.00      
$0 - $499.99     .20% .20%
$500.00 - $999.99     .45% .45%
$1000.00 and up     .70% .70%
HEALTH SAVINGS ACCOUNT**
Balance Guidelines Minimum Opening Deposit   Interest Rate APY
Daily Balances of: $50.00      
$0 - $499.99     .75% .75%
$500.00 - $999.99     1.25% 1.26%
$1000.00 - $9999.99     1.75% 1.76%
$10,000.00 - and up     3.00% 3.04%
MONEY MARKET
MONEY MARKET** $1,500.00   1.10% 1.11%
STRUCTURED SAVINGS
Account Product Name Minimum Opening Deposit Term Interest Rate APY
STRUCTURED SAVINGS ACCOUNT $25. TO $250.00 12 MONTHS 1.75% 1.76%
24 MONTHS 1.95% 1.96%
36 MONTHS 2.15% 2.17%
48 MONTHS 2.35% 2.37%
60 MONTHS 2.60% 2.63%
CERTIFICATE OF DEPOSIT
Account Product Name Minimum Opening Deposit   Interest Rate APY
SAVINGS ** $200.00   .50% .50%
31 DAY CD* $500.00   2.00% 2.02%
91 DAY CD* $500.00   2.15% 2.17%
182 DAY CD* $500.00   2.60% 2.62%
1 YEAR CD* $500.00   2.75% 2.75%
18 MONTH CD* $500.00   2.80% 2.81%
2 YEAR CD* $500.00   2.95% 2.95%
3 YEAR CD* $500.00   3.15% 3.15%
4 YEAR CD* $500.00   3.35% 3.35%
5 YEAR CD* $500.00   3.60% 3.60%
IRAs
Account Product Name Minimum Opening Deposit   Interest Rate APY
MONEY MARKET IRA** $100.00   1.10% 1.11%
1 YEAR IRA* $500.00   2.75% 2.78%
18 MONTH IRA* $500.00   2.80% 2.83%
2 YEAR IRA* $500.00   2.95% 2.98%
3 YEAR IRA* $500.00   3.15% 3.19%
5 YEAR IRA* $500.00   3.60% 3.65%


* A penalty may be imposed for early withdrawal.
** The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.

 

 

 

Loan Rates

 

 
 
Hickory Point Bank & Trust is an Equal Opportunity Employer

Hickory Point Bank & Trust, fsb
PO Box 2548, Decatur, IL 62525-2548
(217) 875-3131  Toll Free 1-
800-872-0081