Rates
The information below provides information about interest rates and annual percentage yields (“APY”) on some of the accounts and products we offer. These rates are subject to change at any time. Please contact us for more details.
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Loan Rates
This information is provided for informational purposes only and does not guarantee financing through Hickory Point Bank. All rates are expressed as Annual Percentage Rates (APR). Rates are subject to change at any time. All disclosed terms and conditions may vary. All loans are subject to credit approval. Normal underwriting guidelines apply. See Lender for details on these, or any other additional loan products that may be available.
| Personal Loans | ||
|---|---|---|
| APR | Term | |
| Unsecured Loans | 9.500% | (Max. Term 24 Months) |
| Installment Loans/Auto Recreational Units | ||
|---|---|---|
| Competitive rates and flexible terms. Loan rates determined upon credit approval, based on your credit history, age of the vehicle financed, the amount financed and the term of the loan. Contact one of our branches today for more details |
| Miscellaneous Rates | |
|---|---|
| APR | |
| Ready Reserve | 18.000% |
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Home Loan Rates
| Mortgage Loan Rates | ||||
|---|---|---|---|---|
Contact a Home Loan Officer today to learn more about Home Loan Rates.
Mortgage Loan Rates: We also offer construction loans and in-house solutions for borrowers that are looking for options outside of conventional lending programs. Please contact one of our mortgage loan professionals for more information including current rates.
| Home Equity Loans | APR |
|---|---|
| Credit Line* | 8.25%** |
**The APR on the Home Equity Line of Credit (HELOC) is the Wall Street Journal Prime Rate (Prime), which is a variable rate with a minimum floor rate of 4.00%. Changes to the APR will be adjusted quarterly. Your APR will never be lower than 4.00% or exceed 18.00% per annum. Loan term is 15 years. The current Prime Rate APR is 8.25%. Property insurance is required.
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Deposit Account Rates
Effective: Wednesday, November 9, 2022
| Classic Plus Checking | Open a Classic Plus Checking Account | ||
|---|---|---|---|
| Minimum Opening Deposit | Daily Balances | Interest Rate | APY |
| $500 | $0 – $4,999.99 | 0.01% | 0.01% |
| $5,000.00 – $14,999.99 | 0.02% | 0.02% | |
| $15,000.00 and up | 0.03% | 0.03% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Ambassador Club | Open a Ambassador Club Checking Today | ||
|---|---|---|---|
| Minimum Opening Deposit | Daily Balances | Interest Rate | APY |
| $250.00 | $0 – $4,999.99 | 0.01% | 0.01% |
| $5,000.00 – $14,999.99 | 0.02% | 0.02% | |
| $15,000.00 and up | 0.03% | 0.03% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Ultimate Money Market | Open a Ultimate Money Market Account | |
|---|---|---|
| Minimum Opening Deposit | Interest Rate | APY |
| $2,500.00 | 3.00% | 3.04% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Premium Money Market | Open a Premium Money Market Account | |
|---|---|---|
| Minimum Opening Deposit | Interest Rate | APY |
| $20,000.00 | 3.00% | 3.04% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Savings Account | Open Consumer Savings Account | |
|---|---|---|
| Minimum Opening Deposit | Interest Rate | APY |
| $200.00 | 0.05% | 0.05% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Structured Savings* | |||
|---|---|---|---|
| Minimum Opening Deposit | Term | Interest Rate | APY |
| $25.00 - $250.00 (minimum of $25.00) | 12 Months | 0.05% | 0.05% |
| 24 Months | 0.05% | 0.05% | |
| 36 Months | 0.10% | 0.10% | |
| 48 Months | 0.10% | 0.10% | |
| 60 Months | 0.10% | 0.10% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Health Savings Account | |||
|---|---|---|---|
| Minimum Opening Deposit | Daily Balances | Interest Rate | APY |
| $50.00 | $0 - $499.99 | 0.01% | 0.01% |
| $500.00 - $999.99 | 0.03% | 0.03% | |
| $1,000.00 - $9,999.99 | 0.05% | 0.05% | |
| $10,000.00 and up | 0.07% | 0.07% |
The interest rate and annual percentage yield (APY) may change after account opening.
| Certificate of Deposit* | |||
|---|---|---|---|
| Minimum Opening Deposit | Term | Interest Rate | APY |
| $1,000.00 | 31 Days | 0.25% | 0.25% |
| 91 Days | 0.35% | 0.35% | |
| 182 Days | 0.75% | 0.75% | |
| 1 Year | 0.85% | 0.85% | |
| 18 Months | 0.95% | 0.95% | |
| 2 Years | 1.05% | 1.05% | |
| 3 Years | 1.15% | 1.15% | |
| 4 Years | 1.25% | 1.25% | |
| 5 Years | 1.35% | 1.35% |
| Certificate of Deposit* | CD SPECIALS | |||
|---|---|---|---|
| Minimum Opening Deposit | Term | Interest Rate | APY |
| $1,000.00 | 5 Month | 4.00% | 4.05% |
| 13 Month | 3.50% | 3.50% | |
| 22 Month | 3.25% | 3.25% |
| Money Market IRA* | ||
|---|---|---|
| Minimum Opening Deposit | Interest Rate | APY |
| $100.00 | 3.00% | 3.04% |
The interest rate and annual percentage yield (APY) may change after account opening.
| IRA Certificate of Deposit* | |||
|---|---|---|---|
| Minimum Opening Deposit | Term | Interest Rate | APY |
| $500.00 | 1 Year | 1.00% | 1.00% |
| 18 Months | 1.15% | 1.15% | |
| 2 Years | 1.25% | 1.25% | |
| 3 Years | 1.35% | 1.35% | |
| 5 Years | 1.45% | 1.45% |
*A penalty may be imposed for early withdrawal.
Fees could reduce earnings on the account.
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