Business CDs & CDARs

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Time deposits combine the security of a bank deposit and FDIC coverage with higher returns. Let our experienced team guide you to lock in a competitive fixed rate with the term that best fits your business investment objectives. We are invested in helping you reach your business goals.

  • A risk-free way to invest in your business and build savings
  • Earn a competitive, fixed-rate higher than consumer savings
  • A variety of terms available ranging from 31 days to 5 years


  • Competitive, fixed interest rates
  • Higher earnings than consumer savings
  • Terms from 31 days to 5 years
  • Strict early withdrawal penalties apply
  • Expert personalized service
  • $1,000 minimum deposit to open
  • FDIC insurance coverage up to the maximum amount permitted by law


The Certificate of Deposit Account Registry Service (CDARS) is the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $100,000. Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network. Hickory Point Bank will handle the entire process so you don’t have to worry about a thing.

  • Consolidate your CD investments
  • Multi-million-dollar FDIC insurance eligibility
  • Earn one rate on your entire investment
  • Receive one regular statement
  • Higher earnings than a consumer savings
  • Expert personalized service
  • Strict early withdrawal penalties apply
  • Terms from 4 weeks to 60 months