Rates

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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.

 

Miscellaneous Rates


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 Reserve18.750%


Auto Rates

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

Mortgage Loan Rates

Contact a Mortgage Lender today to learn more about Mortgage 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 Loan Rates

Home Equity LoansAPR
Credit Line*8.50%**
* 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 8.50%. Property insurance is required.

Deposit Account Rates

Effective: Friday, December 29, 2023

Classic Plus Checking
Minimum Opening DepositDaily BalancesInterest RateAPY
$500$0 – $4,999.990.01%0.01%
$5,000.00 – $14,999.990.02%0.02%
$15,000.00 and up0.03%0.03%
The interest rate and annual percentage yield (APY) may change after account opening.

Open A Classic Plus Checking Account


 

Ambassador Club
Minimum Opening DepositDaily BalancesInterest RateAPY
$250.00$0 – $4,999.990.01%0.01%
$5,000.00 – $14,999.990.02%0.02%
$15,000.00 and up0.03%0.03%
The interest rate and annual percentage yield (APY) may change after account opening.

Open A Ambassador Club Checking Account


 

Ultimate Money Market
Minimum Opening DepositInterest RateAPY
$2,500.003.00%3.04%
The interest rate and annual percentage yield (APY) may change after account opening.

Open A Ultimate Money Market Account


 

Premium Money Market
Minimum Opening DepositInterest RateAPY
$20,000.003.00%3.04%
The interest rate and annual percentage yield (APY) may change after account opening.

Open A Premium Money Market Account


 

Savings Account
Minimum Opening DepositInterest RateAPY
$200.000.05%0.05%
The interest rate and annual percentage yield (APY) may change after account opening.

Open A Consumer Savings Account


 

Structured Savings*
Minimum Opening DepositTermInterest RateAPY
$25.00 - $250.00 (minimum of $25.00)12 Months0.05%0.05%
24 Months0.05%0.05%
36 Months0.10%0.10%
48 Months0.10%0.10%
60 Months0.10%0.10%
A Hickory Point Bank checking account is required and must remain open until the maturity date of your account to qualify for Structured Savings account. Monthly automatic transfers from your Hickory Point Bank checking to your Structured Savings are required until the maturity date of the Structured Savings account. The minimum monthly transfer amount is $25 for 12 month terms, $40 for 24 month terms, and $50 for terms of 36 months and greater.

The interest rate and annual percentage yield (APY) may change after account opening.

 

Health Savings Account
Minimum Opening DepositDaily BalancesInterest RateAPY
$50.00$0 - $499.990.01%0.01%
$500.00 - $999.990.03%0.03%
$1,000.00 - $9,999.990.05%0.05%
$10,000.00 and up0.07%0.07%
The interest rate and annual percentage yield (APY) may change after account opening.

 

Certificate of Deposit*
Minimum Opening DepositTermInterest RateAPY
$1,000.00 31 Days3.25%3.30%
91 Days1.60%1.61%
182 Days4.65%4.71%
1 Year1.35%1.35%
18 Months2.50%2.51%
2 Years1.50%1.50%
3 Years1.50%1.50%
4 Years1.50%1.50%
5 Years1.50%1.50%
Certificate of Deposit* | CD SPECIALS
Minimum Opening DepositTermInterest RateAPY
$1,000.005 Month5.00%5.07%
13 Month4.00%4.01%
Money Market IRA*
Minimum Opening DepositInterest RateAPY
$100.003.00%3.04%
The interest rate and annual percentage yield (APY) may change after account opening.

IRA Certificate of Deposit*
Minimum Opening DepositTermInterest RateAPY
$500.001 Year1.35%1.36%
18 Months2.50%2.52%
2 Years1.50%1.51%
3 Years1.50%1.51%
5 Years1.50%1.51%
IRA | SPECIALS*
Minimum Opening DepositTermInterest RateAPY
$500.0013 Month4.00%4.06%
*A penalty may be imposed for early withdrawal.

Fees could reduce earnings on the account.