Municipal Banking

Partnering with municipalities to invest in stronger, healthier communities.

Tailored Banking for Municipal Growth and Stability

Our checking and savings options are built to support municipalities of all sizes with competitive rates, flexible account structures, and dependable service. Whether you’re managing daily operations or preparing for future projects, these accounts provide the stability and flexibility municipalities depend on.

Features include:

Competitive, tiered interest rates
Flexible account options for varying balance levels
Convenient online access through Business eBanking
FDIC insurance for peace of mind

Helpful Links

Treasury Management Solutions

Account Offerings

Trusted Funding for Community Projects

Municipal Financing

When your municipality needs reliable, experienced financing, we deliver. Our Municipal Finance Team provides tailored solutions, including Delinquent Tax Notes, State Aid Notes, Bond Anticipation Notes, Installment Purchase Contracts, equipment and vehicle financing, and funding for township halls, libraries, and other essential community projects.

With decades of expertise and a commitment to local progress, we help communities move forward efficiently, affordably, and with confidence.

Invest in your community’s future. Partner with us today.

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Extended Deposit Protection

Through our relationship with Intrafi, municipalities can keep large deposits fully insured while maintaining a single, trusted banking relationship with HCB.

CDARS® (Certificate of Deposit Account Registry Service)

Our CDARS program offers a simple way for municipalities to access full FDIC insurance on large deposits while earning competitive CD rates. Funds are divided into smaller amounts and placed with a network of well-capitalized banks across the country—so you can keep your entire relationship with Highpoint Community Bank while enjoying expanded protection and a single, convenient statement.

Benefits include:

Full FDIC insurance on deposits over $250,000
Competitive interest rates through a nationwide network
One bank relationship and one consolidated statement
Peace of mind backed by local service

ICS® (Insured Cash Sweep)

The ICS program gives municipalities a secure, liquid option for managing larger balances. Deposits are automatically divided into amounts under the FDIC insurance limit and placed at network institutions, giving you both protection and access to your funds—all through your account at Highpoint Community Bank.

Benefits include: