|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Hickory Point B&T Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Hickory Point B&T's 2 Years IRA Certificate of Deposit rates are at 3.70%, 13-Month CD SPECIALS rates are at 3.65%, 2 Years Certificate of Deposit rates are at 3.65%, 5-Month CD SPECIALS rates are at 3.64%, 5 Years IRA Certificate of Deposit rates are at 3.14%. Hickory Point B&T's savings rates are at 0.01%. Hickory Point B&T's money market rates are at 1.56%. MonitorBankRates evaluates the financial stability of Hickory Point B&T with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.04%. Rates last updated and verified on 08/28/2026. Hickory Point B&T money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hickory Point B&T? Share your experience about Hickory Point B&T by leaving a review below, or read customer reviews before you decide to use Hickory Point B&T. 
Hickory Point B&T CD Rates
Hickory Point B&T Savings Rates
Hickory Point B&T Money Market Rates
Hickory Point B&T Checking Rates
Hickory Point B&T Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Hickory Point B&T is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Hickory Point B&T rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hickory Point B&T's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Hickory Point B&T
Bank Holding Company
FIRST ILLINOIS CORP
Address
225 N Water St,
Decatur, IL 62523 · Macon
Website
https://www.hickorypointbank.com
FDIC Certificate #
22874
Established
06/04/1979
FDIC Insurance Date
06/04/1979
Domestic Offices
8
Total Branches
8
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.04%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8614%
Return on Equity (ROE)
9.4400%
Non-Performing Loans (NPL)
0.00%
Total Assets
$713,389,000
Total Deposits
$628,002,000
Equity Capital
$77,461,000
Net Income
$8,125,000
Headquarters
Decatur
Total Branches and Offices
8
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for Hickory Point B&T yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Hickory Point B&T
Frequently Asked Questions About Hickory Point B&THow many branches does Hickory Point B&T operate?Hickory Point B&T currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Hickory Point B&T does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Hickory Point B&T provides members with tools to manage their accounts and build a solid financial history. Does Hickory Point B&T offer online and mobile banking?Most modern institutions like Hickory Point B&T provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hickorypointbank.com. Current Hickory Point B&T Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Commercial Trust Company of Fayette
MidFirst Bank
Deutsche Bank Trust Company Delaware
Androscoggin Savings Bank
FNB of Hughes Springs
Spring Valley City Bank
Hometown Bank of Corbin
FNB of Oklahoma
First National Bank of Brooksville
SCSB Shelby County State Bank
Bank of England
Platte Valley Bank
CBW Bank
Salem Co-operative Bank
Slovenian S&L of Franklin-Conemaugh
Unison Bank
Dairy State Bank
HCN Bank
Bank of the Panhandle
First United National Bank
BankFirst Financial Services
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
