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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 March 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: March 27, 2026
Hickory Point B&T's 5-Month Certificate of Deposit* | CD SPECIALS rates are at 3.64%, 13-Month Certificate of Deposit* | CD SPECIALS rates are at 3.33%, IRA Certificate of Deposit 5 Years rates are at 3.14%, 5 Years Certificate of Deposit rates are at 3.10%, 31 Days Certificate of Deposit rates are at 2.79%. 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 were last updated on 03/27/2026. 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
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 Offices
8
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Hickory Point B&TIs Hickory Point B&T a safe place to deposit money?Yes, Hickory Point B&T is considered a safe financial institution. With a Texas Ratio of 0.038406995982037%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How 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.
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