Bank · FDIC insured
Hickory Point Bank & Trust Savings Rates
Hickory Point Bank & Trust’s best savings rate is 1.56% APY on $10,000, with its Ultimate Money Market. Rates checked October 16, 2026.
How Hickory Point Bank & Trust’s savings 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
1.56%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $156
Ultimate Money Market
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
2nd-highest rate
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Hickory Point Bank & Trust savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $10,000 balance$10,0001.56%
- $100,000 balance$100,0001.56%
- QualifiedQualified1.56%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premium Money Market
1.56%APY
Minimum balance requirement of $20,000 to avoid a $25 monthly service fee. Limited to six transfers, including no more than six third party checks.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. $25 monthly service fee waived with minimum balance of $20,000.Any balance | 1.56% | $156 | Rate may change after account opening. $25 monthly service fee waived with minimum balance of $20,000. |
Sources (2)
All captured Oct 6, 2026
Ultimate Money Market
1.56%APY
Minimum balance requirement of $2,500 to avoid a $10 monthly service fee. Limited to six transfers, including no more than six third party checks.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. $10 monthly service fee waived with minimum balance of $2,500.Any balance | 1.56% | $156 | Rate may change after account opening. $10 monthly service fee waived with minimum balance of $2,500. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Money Market IRA
1.56%APY
A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceThe interest rate and annual percentage yield (APY) may change after account opening. A penalty may be imposed for early withdrawal.Any balance | 1.56% | $156 | The interest rate and annual percentage yield (APY) may change after account opening. A penalty may be imposed for early withdrawal. |
Sources (1)
- hickorypointbank.com/personal/rates · captured Oct 6, 2026
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.