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Highpoint Community Bank

Featured Consumer Rates

Loans Deposits

Welcome to our Rate Center

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

Loans

Beginning October 1, 2026, new personal loan applications will be completed through Independent Bank using Independent Bank products and pricing. Explore Independent Bank personal loan options here. 

All loans are subject to credit approval. Rates vary based on credit, loan amount, and collateral characteristics. Contact us for more great rates.

Deposits

Balance Tier Rate APY*
Up to $9,999.99 1.000% 1.000%
$10,000 - $24,999.99 1.000% 1.000%
$25,000 - $99,999.99 1.490% 1.500%
$100,000 - $199,999.99 2.230% 2.250%
$200,000 - $499,999.99 2.720% 2.750%
$500,000+ 3.85% 3.91%

Rates as of October 2, 2026

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) 3.50% 3.55%
182 Day (6 Month) 3.55% 3.61%
1 Year 3.70% 3.76%
18 Month 2.960% 3.000%
2 Year 2.960% 3.000%
3 Year 2.720% 2.750%
5 Year 2.720% 2.750%

Rates as of October 2, 2026

APY= Annual Percentage Yield

Minimum to open $500

Penalty may be imposed for early withdrawal. 

Rates effective as of October 2, 2026

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.