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Personal Savings

Savings options built to fit your life.

Compare Our Savings Options

Smart Start Savings
Designed For
Simple savings for kids and teens.
Minimum to Open
$.50
Monthly Service Charge *fees may reduce earnings
No
Transaction Limitations
No
Designed For
Setting aside funds for the holidays.
Minimum to Open
$10
Monthly Service Charge *fees may reduce earnings
No
Transaction Limitations
Yes
Statement Savings
Designed For
Basic savings made easy and accessible.
Minimum to Open
$100
Monthly Service Charge *fees may reduce earnings
$3 if balance falls below $200
Transaction Limitations
No
High Yield Savings
Designed For
Growing savings faster with premium rates.
Minimum to Open
$1,000
Monthly Service Charge *fees may reduce earnings
$10 if balance falls below $5,000
Transaction Limitations
No

Set your term. Watch your savings grow.

Certificate of Deposit (CDs)

Lock in a great rate and enjoy peace of mind with a Certificate of Deposit from Highpoint Community Bank. With terms ranging from 90 days to 5 years, CDs let you earn a guaranteed return by setting your money aside for a fixed period of time—helping you reach your savings goals with confidence and stability.

  • $500 minimum opening deposit.
  • Subject to early withdrawal penalty when principal is withdrawn prior to maturity. Fees could reduce earnings on the account.
View CD Rates
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Savings FAQs

Your Banking Questions, Answered

We’re here to make it simple to understand your options and choose what account fits you best.

Can I transfer funds between my checking and savings accounts?

Yes. You can easily transfer funds between your HCB accounts using Online Banking, the Mobile App, or at your local branch. 

How can I set up automatic savings transfers?

You can schedule automatic transfers from your checking to savings through Online or Mobile Banking, or by visiting your local branch to make saving simple and consistent.

How often is interest credited to my savings account?

Interest is typically compounded and credited quarterly, allowing your balance to grow over time.

Are there limits on withdrawals from savings accounts?

Health Savings, Holiday Savings, and CD’s have varying withdrawal limits. Check your account details for specific terms. 

BEYOND SAVINGS

More Ways to Plan Ahead

GROW BETTER FINANCIAL HABITS

HCB Money Manager

Track spending, connect accounts, and set goals in digital banking to better manage your finances.

Start Managing Smarter

GAIN CONTROL OF HEALTH CARE COSTS

Health Savings Account

Prepare for future medical costs with a tax-advantaged account that earns interest.

Learn How You Can Save

GET MORE FROM EVERYDAY BANKING

Personal Checking

Enjoy convenient access, modern tools, and personalized service with every account.

Find What Fits You

PLAN FOR LONG TERM GROWTH

CDs/IRAs

Maximize your business savings potential through growth-focused CD and IRA solutions.

Compare CD Rates

ACHIEVE YOUR NEXT GOAL

Personal Loans

Enjoy quick access to funds, competitive rates, and flexible repayment options designed around your goals. 

Discover What’s Possible