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Highpoint Community Bank

Featured Rates

Loans Deposits

Welcome to our Rate Center

Explore our current loan and deposit rates—backed by exceptional local service.

Loans

Product Interest Rate APR*
30 Year Fixed Mortgage 6.500% 6.702%
15 Year Fixed Mortgage 5.875% 6.170%
7/1 Adjustable Rate Mortgage1 6.000% 6.196%

Rates as of December 9, 2025

*APR= Annual Percentage Rate. Rates are not binding and subject to change. 

1: For the adjustable rate mortgage, APR may increase after consummation. 

Rates are based on a purchase transaction with a loan amount of $100,000, credit score of 780+ and a 75% loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to property type, loan amount, loan-to-value, credit score and other variables. Payments do not include property taxes or insurance. For loans with less than 20% down payment, borrower-paid private mortgage insurance may apply. Rate is based on a 45-day lock. Check out our selection of mortgage products.

Product Interest Rate APR*
5 Year Fixed Home Equity 6.25% 6.743%
10 Year Fixed Home Equity 6.75% 7.016%
Home Equity Line of Credit1 7.000% 7.267%

Rates as of December 12, 2025

 *APR = Annual Percentage Rate. Rates listed require automatic payment from a Highpoint Community Bank account, otherwise .50% is added to the rate.

Stated Interest Rate and APR assume the loan is $50,000 secured by a single family home, loan to value of 80% or lower, and credit score of 740 or above. Actual rates, terms, and loan amounts may vary based on creditworthiness, loan-to-value, and automatic payment enrollment. Rates and terms are subject to change without notice. Property insurance is required, and flood insurance me be required. Closing costs may apply. Contact a lender for more great rates. Learn more about our home equity products.

1.The APR for the home equity line of credit will vary with the Prime Rate as published in the Wall Street Journal. 

Model Year Term  Interest Rate

APR*
2024 & Newer Up to 84 months 5.75% 5.75%
2022 & Newer Up to 72 months 5.75% 5.75%

Rates as of December 12, 2025

APR= Annual Percentage Rate. The stated APR is based on a credit score of 720+. APR may be higher based on individual credit score. An automatic payment from a Highpoint Community Bank account is required, otherwise .50% is added to rate. Subject to credit review and approval. Rates are subject to change. Contact any HCB lender for other great rates and terms available.

Model Year Term Rate  APR*
2023 & Newer (Minimum loan amount of $15,000) Up to 180 months 9.00% 9.068%

Rate as of December 12, 2025

APR= Annual Percentage Rate. The stated APR is based on a credit score of 720+. APR may be higher based on individual credit score. An automatic payment from a Highpoint Community Bank account is required, otherwise .50% is added to rate. Subject to credit review and approval. Rates are subject to change. Contact any HCB lender for other great rates and terms available.

Model Year Term Rate APR*
2023 & Newer (Minimum Loan Amount of $20,000) Up to 180 months 6.75% 6.75%

Rates as of December 12, 2025

APR= Annual Percentage Rate. The stated APR is based on a credit score of 720+. APR may be higher based on individual credit score. An automatic payment from a Highpoint Community Bank account is required, otherwise .50% is added to rate. Subject to credit review and approval. Rates are subject to change. Contact any HCB lender for other great rates and terms available.

Condition Term Rate APR
New up to 60 Months 8.00% 8.421%
Used 48 Months 9.00% 9.521%

Rates as of December 12, 2025

APR= Annual Percentage Rate. The stated APR is based on a credit score of 720+. APR may be higher based on individual credit score. An automatic payment from a Highpoint Community Bank account is required, otherwise .50% is added to rate. Subject to credit review and approval. Rates are subject to change. Contact any HCB lender for other great rates and terms available.

Term Rate APR*
12 Months 11.00% 14.846%
60 Months 11.75% 12.64%

Rates as of December 12, 2025

APR= Annual Percentage Rate. The stated APR is based on a credit score of 740+. APR may be higher based on individual credit score. An automatic payment from a Highpoint Community Bank account is required, otherwise .50% is added to rate. Subject to credit review and approval. Rates are subject to change. Contact any HCB lender for other great rates and terms available.

Rates effective as of December 12, 2025

All loans are subject to credit approval. Rates vary based on credit, loan amount, and collateral characteristics.

Deposits

Balance Tier Rate APY*
Up to $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.00% 1.00%
$25,000 - $99,999.99 1.49% 1.50%
$100,000 - $199,999.99 2.23% 2.25%
$200,000 - $499,999.99 2.72% 2.75%
$500,000+ 3.70% 3.75%

Rates as of December 12, 2025

APY = Annual Percentage Yield

This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Term Rate APY*
90 Day (3 Month) 3.93% 4.00%
182 Day (6 Month) 3.69% 3.75%
1 Year 3.45% 3.51%
18 Month 2.96% 3.00%
2 Year 2.96% 3.00%
3 Year 2.72% 2.75%
5 Year 2.72% 2.75%

Rates as of December 12, 2025

APY= Annual Percentage Yield

Minimum to open $500

Penalty may be imposed for early withdrawal. 

Rates effective as of December 12, 2025

Rates are subject to change without notice. Minimum balance of $500 required to obtain stated APY. Fees may reduce earnings, and a penalty may be imposed for early withdrawal of principal.