Savings Accounts
Regular Savings
A simple secure plan for saving with easy access to your money
- $200 minimum opening deposit
- Interest compounds quarterly
- Minimum balance requirement of $200 to avoid a $5.00 monthly service fee
- $1.00 is assessed for each withdrawal over three in one month
- Quarterly statements
- By law, preauthorized or automatic withdrawals or transfers to another account or to a third party are limited to six per month- no more than six of which may be by check or draft payable to a third party
- FDIC Insured
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Savings Account
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| Minimum Opening Deposit | | Interest Rate | APY |
| $200.00 | | .15% | .15% |
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Minor Savings
Begin your savings program early in life to build the foundation for good savings habits
- $25 minimum opening deposit
- Joint ownership with a minor and parent/guardian
- Interest compounds quarterly
- No monthly service fee
- Quarterly statements
- Illinois Uniform Transfer to Minors Act (ILUTMA) accounts are available to persons under the age of 21
- FDIC Insured
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Structured Savings
A structured savings plan based on your terms designed to reach your goals
- $25 minimum opening deposit
- Choose the amount and term and your money will be transferred monthly from your Hickory Point Bank checking to your Structured Savings account
- Fixed interest rate
- Interest compounds quarterly
- 1 year minimum term
- Quarterly statements
- FDIC Insured
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Structured Savings
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| Minimum Opening Deposit | Term | Interest Rate | APY |
| $25.00 - $250.00 | 12 Months | .10% | .10% |
| 24 Months | .10% | .10% |
| 36 Months | .15% | .15% |
| 48 Months | .25% | .25% |
| 60 Months | .65% | .65% |
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Consult a personal banker for more information.
Hickory Point Bank and Trust reserves the right to change the interest rates on all accounts.
