Highpoint Community Bank Rates and Review February 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.
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Highpoint Community Bank's savings rates are at 1.00%. Highpoint Community Bank's Fixed Rate Mortgage rates are at 5.70%, Mortgage rates are at 0.00%, 7/1 Adjustable Rate Mortgage rates are at 5.62%, 15 Year Fixed Mortgage rates are at 5.75%, 30-Year Fixed Mortgage rates are at 6.12%.
Rate Updates and AvailabilityHighpoint Community Bank 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 Highpoint Community Bank? Share your experience about Highpoint Community Bank by leaving a review below, or read customer reviews before you decide to use Highpoint Community Bank. Highpoint Community Bank Texas RatioHighpoint Community Bank's Texas Ratio is at 0.98%, which is considered excellent. The Texas Ratio for Highpoint Community Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Highpoint Community Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Highpoint Community Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Highpoint Community Bank Savings Rates
Highpoint Community Bank Mortgage Rates
Highpoint Community Bank Home Equity & HELOC
Highpoint Community Bank Auto Loan Rates
Highpoint Community Bank Credit Card Rates
Highpoint Community Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Highpoint Community Bank 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 Highpoint Community Bank 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 Highpoint Community Bank's official website for the most current offers and terms.
Bank Profile & OverviewHighpoint Community Bank
150 W Court StHastings, MI 49058 Barry Established Date: 01/01/1886 FDIC Certificate #: 11407 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: HCB FINANCIAL CORP How Many Domestic U.S. Offices? 7 How Many Branches are There? 7
Is Highpoint Community Bank FDIC Insured? Yes
What is Highpoint Community Bank's Cert number? 11407
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$599,528,000
Total Deposits:
$545,710,000
Equity Capital:
$38,027,000
Net Income:
$1,437,000
Return on Assets (ROA):
0.9202%
Return on Equity (ROE):
14.1400%
Headquarters:
Hastings
Regulator:
FDIC
# of Offices:
7
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsBjsm
December 17, 2025
FKZi
Add Your Rating and Review for Highpoint Community Bank
Frequently Asked Questions About Highpoint Community BankHow do I open an account at Highpoint Community Bank?You can typically open an account at Highpoint Community Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Highpoint Community Bank provides a range of mortgage and home equity products. Is Highpoint Community Bank a safe place to deposit money?Yes, Highpoint Community Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Highpoint Community Bank offer online and mobile banking?Most modern institutions like Highpoint Community Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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