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.

The Hicksville Bank Staff member smiling at a customer behind the teller line.

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.​

Savings Comparison
Account Type
Min. Balance
Opening Deposit
Interest Bearing
Benefits
Fees
$300
Unspecified
Yes
- Withdraw anytime
- No fees to senior citizens (62 & over)
- No fees to minors & students
- ATM card available
- 6 pre-authorized transactions allowed
Transaction Fee of $1.00 on withdrawals > 5/month if daily balance < $300 and # of withdrawals > 5 per month

Maintenance Fee of $3.00 if daily balance < $300
$2,500
$2,500
Yes, => $2,500
- Withdraw anytime
- Pays higher interest
- ATM card available
- 6 pre-authorized transactions allowed
Maintenance Fee of $7.00 if daily balance < $2,500
$10,000
$10,000 New money or $25,000 in existing THB deposit acct(s).
Yes, =>$2,500
-Withdraw anytime
-Pays higher interest
-ATM card available
-6 pre-authorized transactions allowed
If <$10,000 daily balance, $10.00 charge
N/A
$1.00
Yes
- Provides auto savings program
- Earns regular savings rate
- Annual compound
- Check mailed annually by November 1st
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Being a Hometown Bank is all about you—the customer.