Bank · FDIC insured
Hickory Point Bank & Trust CD Rates
Hickory Point Bank & Trust’s best CD rate is 3.96% APY on a 13-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Hickory Point Bank & Trust’s CD rates compare
Compared with banks and credit unions near Decatur, IL, where Hickory Point Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Hickory Point Bank & Trust
3.96%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $430
Certificate of Deposit
Top rate
United Equity Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
2nd-highest rate
1st MidAmerica Credit Union
4.58%APY
- Term
- 35 months
- Minimum
- —
- Earns on $10,000
- $1,395
Hickory Point Bank & Trust CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.89%
- 9–15 months9–15 mo3.96%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.96%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Hickory Point Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.96%APY · 11 terms
Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 31 Days | 2.79% | $24 |
| 3 monthsTerm: 91 Days | 2.78% | $70 |
| 5 months5 Month CD Special. Penalty may be imposed for early withdrawal | 3.89% | $160 |
| 6 monthsTerm: 182 Days | 2.67% | $134 |
| 12 monthsTerm: 1 Year | 2.75% | $275 |
| 13 monthsCD Special. Penalty may be imposed for early withdrawal | 3.96% | $430 |
| 18 monthsTerm: 18 Months | 2.76% | $417 |
| 24 monthsTerm: 2 Years | 3.95% | $806 |
| 36 monthsTerm: 3 Years | 2.71% | $835 |
| 48 monthsTerm: 4 Years | 2.71% | $1,129 |
| 60 monthsTerm: 5 Years | 3.10% | $1,649 |
Sources (3)
- hickorypointbank.com/personal/rates
- hickorypointbank.com/savings
- hickorypointbank.com/savings/certificates-of-deposit
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.01%APY · 6 terms
$500 minimum opening deposit and balance requirement. Terms from 12 months to 60 months. Interest compounds quarterly. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 1 Year. Interest compounds quarterly | 2.78% | $278 |
| 13 monthsIRA Special. Penalty may be imposed for early withdrawal | 4.01% | $435 |
| 18 monthsTerm: 18 Months. Interest compounds quarterly | 2.78% | $420 |
| 24 monthsTerm: 2 Years. Interest compounds quarterly | 4.01% | $818 |
| 36 monthsTerm: 3 Years. Interest compounds quarterly | 2.74% | $845 |
| 60 monthsTerm: 5 Years. Interest compounds quarterly | 3.14% | $1,672 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.