Hickory Point Bank and Trust offers you a variety of savings solutions. But more importantly, we'll help you decide which kind of savings program will serve you now and for years to come.

Regular Savings
Hickory Point Bank and Trust pays interest on the balance of your account. The interest compounds quarterly at statement time. $1.00 will be charged for each withdrawal over three in one month. Minimum opening deposit is $200.00. There is a $5.00 per month service charge on balances that fall below $200.00. (By law, preauthorized or automatic withdrawals or transfer to another account or to a third party are limited to six per month – no more than three of which may be by check or draft payable to a third party).

Structured Savings
Earn an excellent interest rate as you save money and reach your goals with a Structured Savings account.  Choose the amount and length of time and your money will be transferred monthly from your Hickory Point Bank checking to your Structured Savings account.

Minor Savings
Receive all of the benefits of a Regular Savings or Structured Savings without a monthly service charge.  Illinois Uniform Transfer to Minors Act (ILUTMA) accounts are available with no monthly service charge to persons under the age of 21.

Consult a personal banker for more information.

Hickory Point Bank and Trust reserves the right to change the interest rates on all accounts.