Personal Banking 
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Individual Retirement Accounts


IRA Money Market Account

  • $100 minimum opening deposit and balance requirement
  • No maturity date
  • Earn a competitive, variable rate of interest
  • Interest compounds monthly
  • Make additional contributions at any time and in any amount
  • Direct deposits accommodated
  • $10 fee for withdrawals
  • FDIC Insured
Today's current rates.
Money Market IRA
Minimum Opening Deposit Interest RateAPY
$100.00.75%.75%


IRA Certificate of Deposit

  • $500 minimum opening deposit and balance requirement
  • Terms from 12 months to 60 months
  • Earn a competitive rate of interest
  • Interest compounds quarterly
  • Penalty may be imposed for early withdrawal
  • FDIC Insured
IRA Certificate of Deposit
Minimum Opening DepositTermInterest RateAPY
$500.001 Year1.20%1.20%
18 Months1.40%1.41%
2 Years1.65%1.66%
3 Years2.00%2.02%
5 Years2.30%2.32%


Consult a personal banker for more information.
 

Hickory Point Bank and Trust reserves the right to change the interest rates on all accounts.

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