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. See Lender for details on these, or any other additional loan products that may be available. 

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Loan Rates

Construction LoansAPR
Construction Loans5.900%

 

Home Equity LoansAPR
Credit Line*4.250%**
5Yr Balloon/2nd Mortgage*4.450%
*The final payment on this loan may result in a balloon payment.

**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 4.25%. Property insurance is required.

 

Personal Loans 

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APRTerm
Unsecured Loans8.000%(Max. Term 36 Months)
Signature Line of Credit

(Unsecured)
8.000%***
***The APR on the Signature Line of Credit is Hickory Point Bank's applicable unsecured consumer loan rate, which is currently 8.00%. This is a variable rate and is subject to change from time to time. Your APR will never exceed 18.00% per annum. Loan term is evergreen with no maturity date.

 

Installment Loans/Auto Recreational Units

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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 Reserve18.000%

 

 

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Home Loan Rates                             

Mortgage Loan Rates  
TermAPRPoints
5 Year Balloon*4.200%0 Points
7 Year Balloon*4.740%0 Points
10 Year Fixed3.375%0 Points
15 Year Fixed3.375%0 Points
20 Year Fixed3.750%0 Points
30 Year Fixed4.000%0 Points
15 Year FHA3.500%0 Points
30 Year FHA3.875%0 Points
15 Year VA3.500%0 Points
30 Year VA3.750%0 Points
30 Year USDA3.875%0 Points

 

 

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Deposit Account Rates

Classic Plus Checking  

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Minimum Opening DepositDaily BalancesInterest RateAPY
$500$0 – $4,999.99.03%.03%
$5,000.00 – $14,999.99.05%.05%
$15,000.00 and up.07%.07%
Ambassador Club  

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Minimum Opening DepositDaily BalancesInterest RateAPY
$250.00$0 – $4,999.99.03%.03%
$5,000.00 – $14,999.99.05%.05%
$15,000.00 and up.07%.07%
Ultimate Money Market 

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Minimum Opening DepositInterest RateAPY
$2,500.00.10%.10%
Premium Money Market 

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Minimum Opening DepositInterest RateAPY
$20,000.00.15%.15%
Savings Account 

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Minimum Opening DepositInterest RateAPY
$200.00.07%.07%
Structured Savings   
Minimum Opening DepositTermInterest RateAPY
$25.00 - $250.0012 Months0.10%0.10%
24 Months0.10%0.10%
36 Months0.15%0.15%
48 Months0.15%0.15%
60 Months0.20%0.20%
*A penalty may be imposed for early withdrawal.
Health Savings Account   
Minimum Opening DepositDaily BalancesInterest RateAPY
$50.00$0 – $499.990.10%0.10%
$500.00 – $999.990.15%0.15%
$1,000.00 – $9,999.990.20%0.20%
$10,000.00 and up0.25%0.25%
Certificate of Deposit   
Minimum Opening DepositTermInterest RateAPY
$1,000.00 31 Days0.10%0.10%
91 Days0.20%0.20%
182 Days0.35%0.35%
1 Year0.40%0.40%
18 Months0.60%0.60%
2 Years0.80%0.80%
3 Years1.05%1.05%
4 Years1.20%1.20%
5 Years1.35%1.35%
Money Market IRA*  
Minimum Opening DepositInterest RateAPY
$100.00.10%.10%
IRA Certificate of Deposit   
Minimum Opening DepositTermInterest RateAPY
$500.001 Year0.60%0.60%
18 Months0.70%0.70%
2 Years0.80%0.80%
3 Years1.05%1.05%
5 Years1.35%1.35%
*A penalty may be imposed for early withdrawal.

 

 

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