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Personal Savings
From Hicksville to Auburn, Edgerton, and Grabill, The Hicksville Bank offers a full menu of high-yield savings options—all FDIC-insured and supported by hometown experts. Whether you need a simple savings account near you, a ladder of CDs you can test with our CD calculator, or multi-million-dollar coverage through CDARS®, we make saving smart, easy, and local.
Regular Savings
A classic, interest-bearing account for anyone who wants flexible access and lower minimum balance requirements. Enjoy easy online transfers and no service fees for minors, students, or seniors—perfect everyday savings for families across our four local branches.
Power Savings
Keep $2,500 or more on deposit and unlock our most powerful tiered rate, ideal for savers who want “best savings rates” without giving up liquidity. No transaction fees and anytime access mean your cash stays ready while earning more.
Hometown Savings
Bring new funds and see your balance climb with premium, tiered yields that can beat many regional and online-only banks. Ideal for families transferring nest-egg funds who want higher returns without giving up local convenience.
Christmas Club
Set up automatic deposits all year and receive a check each November so holiday shopping never strains your budget. A $1 start, no fees, and earned interest help you gift completely stress-free.
Certificates of Deposit
Lock in fixed returns from 91 days to 5 years with as little as $500 (or $100 for youth CDs). Plan a CD ladder in seconds with our online cd calculator and keep every dollar local.
CDARS
Need more than $250,000 insured? CDARS spreads your funds across a nationwide network while you work with just one hometown banker—earning competitive CD rates and multi-million-dollar FDIC protection.
IRAs
Save for retirement safely with Traditional, Roth, or SEP IRA CDs—terms up to 48 months, separate FDIC insurance up to $250,000, and easy rollover support from 401(k) plans.
- No fees to senior citizens (62 & over)
- No fees to minors & students
- ATM card available
- 6 pre-authorized transactions allowed
Maintenance Fee of $3.00 if daily balance < $300
- Pays higher interest
- ATM card available
- 6 pre-authorized transactions allowed
-Pays higher interest
-ATM card available
-6 pre-authorized transactions allowed
- Earns regular savings rate
- Annual compound
- Check mailed annually by November 1st
Regular Savings
Account Information
- No specified opening deposit amount requirement
- $300 minimum balance requirement
- Transaction fee if daily balance < $300 & number of withdrawals> 5 per month, $1.00 fee on withdrawals >5/mo.
- $3 maintenance fee if daily balance < $300 during the month
- Earns interest on balances =>$.01
- Deposits & withdrawals can be made at anytime
- 6 preauthorized transactions allowed
Power Savings
Account Information
- $2,500 opening deposit requirement
- $2,500 minimum balance requirement
- No transaction fees
- $7 maintenance fee if daily balance < $2,500 during the month
- Pays interest on balances => $2,500
- Deposits & withdrawals can be made at anytime
- 6 preauthorized transactions allowed
- ATM card available
Hometown Savings
Account Information
- Opening deposit $10,000 (To qualify, maintain $10,000 in new money or $25,000 in existing THB deposit account(s))
- Minimum balance requirement of $10,000 to avoid $10 monthly service charge maintenance fee
- Interest compounded monthly
- Rates subject to change without notice
- Deposits and withdrawals can be made at any time
- ATM card available
- 6 preauthorized transactions allowed per month
Christmas Club
Account Information
- $1 opening deposit requirement
- No minimum balance requirement
- No fees
- Earns interest at the regular savings rate
- Interest is paid annually when checks are produced
- Checks are mailed annually by November 1st
Certificates of Deposit
Account Information
- $500 opening deposit & minimum balance requirement
- $100 opening deposit & minimum balance requirement - 24 Month "Youth" CD (under the age 18)
- Terms ranging from 91 days to 60 months
- Competitive fixed interest rates
- Interest can be compounded, paid by check, or credited to a THB checking or a savings account
- Penalty for early withdrawal
- Automatically renewable at maturity
CDARS
Account Information
- Rest assured. Know that deposits well into the millions are eligible for FDIC insurance protection.
- One Relationship. You work directly with our financial institution.
- Earn interest. Put cash balances to work in CDs.
- Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forgo the need to use repo sweeps, track collateral on an ongoing basis, and manually consolidate statements and disbursements from multiple banks.
- Manage liquidity. Select from multiple terms to meet your liquidity needs.
- Support your community. Feel good knowing that the full amount of funds placed through CDARS can stay local to support lending opportunities that build a stronger community.
IRAs
Account Information
- $100 opening deposit requirement
- Terms ranging from 6 months to 48 months
- Competitive fixed interest rates
- 18-month term offers a fixed or variable rate option
- Interest is compounded semiannually (end of June & Dec)
- Penalty for early withdrawal
- Automatically renewable at maturity
- Traditional, Roth, & SEP plans available