What are the current interest rates at Hills Bank and Trust Company?

Current rates for Hills Bank and Trust Company include: 12-Month CD: 0.30%, 18-Month CD: 0.40%, 24-Month CD: 0.45%, 36-Month CD: 0.55%, 48-Month CD: 0.60%, 60-Month CD: 0.70%, Savings: 0.30%, MMA: 3.45%

MonitorBankRates

☰

Home›
Banks›
Hills Bank and Trust Company

iAdvertiser Disclosure

Hills Bank and Trust Company Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hills Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Hills Bank and Trust Company's top rates as of October 14, 2026 are 3.49% APY on its 6-Month special - Relationship Pricing CD, 0.30% APY on savings, 3.45% APY on money market accounts, 3.50% APY on checking, 6.375% on its 15 Year Fixed Rate Loan 30 Day Lock mortgage, and auto loans from 6.75% APR, according to rates verified by MonitorBankRates. Other Hills Bank and Trust Company CD rates include Business Certificate of Deposit (CD) Specials - 6-Month special - Relationship Pricing at 3.49%, 4-Month special - Relationship Pricing at 3.45%, and Business Certificate of Deposit (CD) Specials - 4-Month special - Relationship Pricing at 3.45%. Other Hills Bank and Trust Company mortgage rates include Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock at 6.50%, 15 Year Fixed Rate Loan 30 Day Lock at 6.50%, and Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock at 6.50%. MonitorBankRates evaluates the financial stability of Hills Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.40%. Rates last updated and verified on 10/14/2026.

Hills Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hills Bank and Trust Company? Share your experience about Hills Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Hills Bank and Trust Company.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.40%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Hills Bank and Trust Company

131 Main St
Hills, IA 52235

https://www.hillsbank.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Hills Bank and Trust Company CD Rates

Product	Rate	APY	Term
6 month special - Relationship Pricing	3.45%	3.49%	6 month
Min Deposit $500 Details Relationship Pricing; requires active checking account with recurring deposits and/or debit activity; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
4 month special - Relationship Pricing	3.41%	3.45%	4 month
Min Deposit $500 Details Relationship Pricing; requires active checking account with recurring deposits and/or debit activity; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
11 month special - Relationship Pricing	3.35%	3.39%	11 month
Min Deposit $500 Details Relationship Pricing; requires active checking account with recurring deposits and/or debit activity; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 month special - Relationship Pricing	3.20%	3.24%	15 month
Min Deposit $500 Details Relationship Pricing; requires active checking account with recurring deposits and/or debit activity; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.24% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
6 Month Certificate Special	3.20%	3.24%	6 month
Min Deposit $500 Details Standard; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.24% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
20 month special - Relationship Pricing	3.15%	3.19%	20 month
Min Deposit $500 Details Relationship Pricing; requires active checking account with recurring deposits and/or debit activity; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.19% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
4 Month Certificate Special	3.15%	3.19%	4 month
Min Deposit $500 Details Standard; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.19% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
11 Month Certificate Special	3.10%	3.14%	11 month
Min Deposit $500 Details Standard; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.14% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 Month Certificate Special	2.95%	2.98%	15 month
Min Deposit $500 Details Standard; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.98% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
20 Month Certificate Special	2.90%	2.93%	20 month
Min Deposit $500 Details Standard; CD special rate applies for initial term only, renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.93% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
48 Month College Saver CDs - Relationship Pricing	1.29%	1.30%	48 month
Min Deposit $100 Details Relationship pricing; requires an active checking account with recurring deposits and/or debit activity; penalty for early withdrawal; first named account holder must be under age 21; subsequent deposit minimum $25 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 Month College Saver CDs - Relationship Pricing	1.15%	1.15%	24 month
Min Deposit $100 Details Relationship pricing; requires an active checking account with recurring deposits and/or debit activity; penalty for early withdrawal; first named account holder must be under age 21; subsequent deposit minimum $25 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
48 Month College Saver CDs	1.14%	1.14%	48 month
Min Deposit $100 Details Penalty for early withdrawal; first named account holder must be under age 21; additions not allowed beginning with the renewal period after the first named depositor reaches age 21; subsequent deposit minimum $25 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.14% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 Month College Saver CDs	1.00%	1.00%	24 month
Min Deposit $100 Details Penalty for early withdrawal; first named account holder must be under age 21; additions not allowed beginning with the renewal period after the first named depositor reaches age 21; subsequent deposit minimum $25 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA - 60 month	0.75%	0.75%	60 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 60 month	0.70%	0.70%	60 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA - 48 month	0.65%	0.65%	48 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA - 36 month	0.60%	0.60%	36 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 48 month	0.60%	0.60%	48 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 36 month	0.55%	0.55%	36 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 Month Add-on CDs	0.50%	0.50%	24 month
Min Deposit $500 Details Standard rate; $500 minimum to open and obtain APY; Subsequent deposit minimum $100; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA - 24 month	0.50%	0.50%	24 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 30 month	0.50%	0.50%	30 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA - 20 month	0.45%	0.45%	20 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 24 month	0.45%	0.45%	24 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 18 month	0.40%	0.40%	18 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 12 month	0.30%	0.30%	12 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 6 month	0.20%	0.20%	6 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Standard Terms - 3 month	0.10%	0.10%	3 month
Min Deposit $500 Details $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY is based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Business CD Rates

Product	Rate	APY	Term
Business Certificate of Deposit (CD) Specials - 6 month special - Relationship Pricing	3.45%	3.49%	6 month
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 4 month special - Relationship Pricing	3.41%	3.45%	4 month
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 11 month special - Relationship Pricing	3.35%	3.39%	11 month
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.39% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 15 month special - Relationship Pricing	3.20%	3.24%	15 month
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.24% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 6 month special	3.20%	3.24%	6 month
Min Deposit $500 Details CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.24% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 20 month special - Relationship Pricing	3.15%	3.19%	20 month
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.19% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 4 month special	3.15%	3.19%	4 month
Min Deposit $500 Details CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.19% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 11 month special	3.10%	3.14%	11 month
Min Deposit $500 Details CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.14% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 15 month special	2.95%	2.98%	15 month
Min Deposit $500 Details CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.98% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Certificate of Deposit (CD) Specials - 20 month special	2.90%	2.93%	20 month
Min Deposit $500 Details CD specials rates applicable for initial term only, then renew at next lower non-special standard term; $500 minimum to open and obtain APY; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.93% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
60 Month Business Certificate of Deposit (CD)	0.70%	0.70%	60 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
48 Month Business Certificate of Deposit (CD)	0.60%	0.60%	48 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
36 Month Business Certificate of Deposit (CD)	0.55%	0.55%	36 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 Month Business Add-on CDs	0.50%	0.50%	24 month
Min Deposit $500 Details $500 minimum to open and obtain APY. Subsequent deposit minimum $100. Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Month Business Certificate of Deposit (CD)	0.50%	0.50%	30 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 Month Business Certificate of Deposit (CD)	0.45%	0.45%	24 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
18 Month Business Certificate of Deposit (CD)	0.40%	0.40%	18 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
12 Month Business Certificate of Deposit (CD)	0.30%	0.30%	12 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
6 Month Business Certificate of Deposit (CD)	0.20%	0.20%	6 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
3 Month Business Certificate of Deposit (CD)	0.10%	0.10%	3 month
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; APY based on quarterly compounding; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Savings Rates

Product	Rate	APY
Gold Savings	0.30%	0.30%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 & over; No interest earned for days balance is below minimum; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; No interest earned for days balance is below minimum; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.20%	0.20%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; No interest earned for days balance is below minimum; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.15%	0.15%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; No interest earned for days balance is below minimum; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Free, GO! and Penny Savers Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 & over; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.10%	0.10%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 - $49,999; No interest earned for days balance is below minimum; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.05%	0.05%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; No interest earned for days balance is below minimum; APY based on quarterly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Business Savings Rates

Product	Rate	APY
Business Gold Savings	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Savings	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Savings	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 & over; APY based on monthly compounding. Interest rates may change after account is open. Fees could reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Money Market Rates

Product	Rate	APY
Purpose Money Market	3.40%	3.45%
Min Deposit $25,000 Min Balance $1,000,000 Details Balance: $1,000,000 & over; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	3.01%	3.05%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	2.76%	2.80%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	2.52%	2.55%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	2.27%	2.29%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.29% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market Accounts	2.10%	2.12%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 2.12% ▲ 1.87 pts · high 2.12% / low 0.25% Oct 14, 20262.12%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market Accounts	1.90%	1.92%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 1.92% ▲ 1.67 pts · high 1.92% / low 0.25% Oct 14, 20261.92%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market Accounts	1.65%	1.66%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 1.66% ▲ 1.41 pts · high 1.66% / low 0.25% Oct 14, 20261.66%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market Accounts	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 1.51% ▲ 1.26 pts · high 1.51% / low 0.25% Oct 14, 20261.51%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market Accounts	1.35%	1.36%
Min Balance $15,000 Details Balance: $15,000 - $99,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 1.36% ▲ 1.11 pts · high 1.36% / low 0.25% Oct 14, 20261.36%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.90%	0.90%
Min Deposit $15,000 Min Balance $1,000,000 Details Balance: $1,000,000 & over; $15,000 minimum to open; no interest earned for days balance falls below $15,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.80%	0.80%
Min Deposit $15,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; $15,000 minimum to open; no interest earned for days balance falls below $15,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.70%	0.70%
Min Deposit $15,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; $15,000 minimum to open; no interest earned for days balance falls below $15,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.60%	0.60%
Min Deposit $15,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; $15,000 minimum to open; no interest earned for days balance falls below $15,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.30%	0.30%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000 - $99,999; $15,000 minimum to open; no interest earned for days balance falls below $15,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market	0.25%	0.25%
Min Balance $75,000 Details Balance: $75,000 & over; no interest earned for days balance falls below $1,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $74,999; no interest earned for days balance falls below $1,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999; no interest earned for days balance falls below $1,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $2,499; no interest earned for days balance falls below $1,000; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Business Money Market Rates

Product	Rate	APY
Business Purpose Money Market	3.40%	3.45%
Min Deposit $25,000 Min Balance $1,000,000 Details Balance: $1,000,000 and over; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Matured Hills Bank Certificates of Deposit qualify as new money; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	3.01%	3.05%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Matured Hills Bank Certificates of Deposit qualify as new money; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	2.76%	2.80%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Matured Hills Bank Certificates of Deposit qualify as new money; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	2.52%	2.55%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Matured Hills Bank Certificates of Deposit qualify as new money; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	2.27%	2.29%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999; Limited time offer; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; Matured Hills Bank Certificates of Deposit qualify as new money; Limit one promotional account per customer; No public funds Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.29% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.90%	0.90%
Min Deposit $15,000 Min Balance $1,000,000 Details Balance: $1,000,000 & over; If balance falls below $15,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.80%	0.80%
Min Deposit $15,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; If balance falls below $15,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.70%	0.70%
Min Deposit $15,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; If balance falls below $15,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.60%	0.60%
Min Deposit $15,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; If balance falls below $15,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.30%	0.30%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000 - $99,999; If balance falls below $15,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Money Market	0.25%	0.25%
Min Balance $75,000 Details Balance: $75,000 & over; If balance falls below $1,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $74,999; If balance falls below $1,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999; If balance falls below $1,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $2,499; If balance falls below $1,000, no interest is earned for that day; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Checking Rates

Product	Rate	APY
High Interest Checking	3.45%	3.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $25,000; Personal accounts only; $50 minimum deposit to open; APY is based on monthly compounding Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Friends Club Checking	-	0.10%
Min Balance $10,000 Details Up to 0.10% APY; Customers 50 years or older; $10,000+ in household deposits; Friends Club Membership Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
UI Employee Advantage, Gold, and Friends Club Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 & over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
UI Employee Advantage, Gold, and Friends Club Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
UI Employee Advantage, Gold, and Friends Club Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Interest Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Interest Checking	0.10%	0.10%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Non-Profit Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999; APY is based on monthly compounding; Interest rates may change after account is open; Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Non-Profit Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 & over; APY is based on monthly compounding; Interest rates may change after account is open; Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Interest Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $14,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Interest Checking	0.05%	0.05%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Non-Profit Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 999; APY is based on monthly compounding; Interest rates may change after account is open; Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Non-Profit Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $9,999; APY is based on monthly compounding; Interest rates may change after account is open; Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Non-Profit Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $49,999; APY is based on monthly compounding; Interest rates may change after account is open; Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate Loan 30 Day Lock	6.375%	-	6.415%	180 months
Details Loan Amount: $300,000; 30 day lock; assumes 75% LTV and 780 credit score; Number of Monthly Payments: 180 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 6.37% → 6.42% ▲ 0.04 pts · high 6.54% / low 6.37% Oct 14, 20266.42%▼ from 6.54% Sep 27, 20266.54%▲ from 6.37% Sep 18, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock	6.50%	-	6.54%	180 months
Details Loan Amount: $300,000; Monthly payments: 180; Rate/Term Refinance; assumes 75% LTV and 780 credit score; owner-occupied Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 Year Fixed Rate Loan 30 Day Lock	6.50%	-	6.56%	180 months
Details Loan Amount: $200,000; 30 day lock; assumes 75% LTV and 780 credit score; Number of Monthly Payments: 180 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 6.37% → 6.56% ▲ 0.19 pts · high 6.56% / low 6.37% Oct 14, 20266.56%▲ from 6.54% Sep 27, 20266.54%▲ from 6.37% Sep 18, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock	6.50%	-	6.56%	180 months
Details Loan Amount: $200,000; Monthly payments: 180; Rate/Term Refinance; assumes 75% LTV and 780 credit score; owner-occupied Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 Year Fixed Rate Loan 30 Day Lock	6.50%	-	6.621%	180 months
Details Loan Amount: $100,000; 30 day lock; assumes 75% LTV and 780 credit score; Number of Monthly Payments: 180 Last Updated 10/14/2026 Rate History 3 changes since Sep 18, 2026 · 6.37% → 6.62% ▲ 0.25 pts · high 6.69% / low 6.37% Oct 14, 20266.62%▼ from 6.69% Oct 1, 20266.69%▲ from 6.62% Sep 27, 20266.62%▲ from 6.37% Sep 18, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock	6.50%	-	6.621%	180 months
Details Loan Amount: $100,000; Monthly payments: 180; Rate/Term Refinance; assumes 75% LTV and 780 credit score; owner-occupied Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 30 Day Lock	6.875%	-	6.913%	360 months
Details Loan Amount: $200,000; Payment per $1,000 Borrowed: $6.57; Fixed Rate tab; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Rates assume owner-occupied dwelling Last Updated 10/14/2026 Rate History 4 changes since Sep 18, 2026 · 6.79% → 6.91% ▲ 0.13 pts · high 7.15% / low 6.79% Oct 14, 20266.91%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Sep 24, 20266.83%▲ from 6.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 30 Day Lock	7.00%	-	7.025%	360 months
Details Loan Amount: $300,000; Payment per $1,000 Borrowed: $6.65; Fixed Rate tab; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Rates assume owner-occupied dwelling Last Updated 10/14/2026 Rate History 4 changes since Sep 18, 2026 · 6.79% → 7.03% ▲ 0.24 pts · high 7.15% / low 6.79% Oct 14, 20267.03%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Sep 24, 20266.83%▲ from 6.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 60 Day Lock	7.00%	-	7.038%	360 months
Details Refinance (Rate/Term); Loan Amount: $200,000; Number of Monthly Payments: 360; Payment per $1,000 Borrowed: $6.65; Rate based on 780 credit score and 75% LTV; Rates assume owner-occupied dwelling Last Updated 10/14/2026 Rate History 4 changes since Sep 18, 2026 · 6.79% → 7.04% ▲ 0.25 pts · high 7.15% / low 6.79% Oct 14, 20267.04%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Sep 24, 20266.83%▲ from 6.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 30 Day Lock	7.00%	-	7.076%	360 months
Details Loan Amount: $100,000; Payment per $1,000 Borrowed: $6.65; Fixed Rate tab; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Rates assume owner-occupied dwelling Last Updated 10/14/2026 Rate History 4 changes since Sep 18, 2026 · 6.79% → 7.08% ▲ 0.29 pts · high 7.15% / low 6.79% Oct 14, 20267.08%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Sep 24, 20266.83%▲ from 6.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 60 Day Lock	7.125%	-	7.15%	360 months
Details Refinance (Rate/Term); Loan Amount: $300,000; Number of Monthly Payments: 360; Payment per $1,000 Borrowed: $6.74; Rate based on 780 credit score and 75% LTV; Rates assume owner-occupied dwelling Last Updated 10/14/2026 Rate History 3 changes since Sep 18, 2026 · 6.79% → 7.15% ▲ 0.36 pts · high 7.15% / low 6.79% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Sep 24, 20266.83%▲ from 6.79% Sep 18, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 60 Day Lock	7.125%	-	7.201%	360 months
Details Refinance (Rate/Term); Loan Amount: $100,000; Number of Monthly Payments: 360; Payment per $1,000 Borrowed: $6.74; Rate based on 780 credit score and 75% LTV; Rates assume owner-occupied dwelling Last Updated 10/14/2026 Rate History 3 changes since Sep 18, 2026 · 6.79% → 7.20% ▲ 0.41 pts · high 7.20% / low 6.79% Oct 1, 20267.20%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Sep 24, 20266.83%▲ from 6.79% Sep 18, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Line of Credit	-	-	6.99%	5 Year
Details Rate is based on a 740+ credit score and an 80% Loan to Value (LTV); lines have a $500 closing cost; appraisals range between $400 and $650 if required Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Fixed Rate Home Equity Loan	-	-	6.992%	5.5 Years
Details Rate is based on a 740+ credit score and an 80% Loan to Value (LTV); closing cost of $500; appraisals range between $400 and $650 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	6.75%	72 months
Details As Low As; Model Year: 2025-Newer; Maximum Term; Excellent credit (Beacon Score 740 or above) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loans	-	-	7.25%	60 months
Details As Low As; Model Year: 2024-2021; Maximum Term; Excellent credit (Beacon Score 740 or above) Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loans	-	-	7.75%	48 months
Details As Low As; Model Year: 2020-2018; Maximum Term; Excellent credit (Beacon Score 740 or above) Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loans	-	-	9.50%	36 months
Details As Low As; Model Year: 2017-2006; Maximum Term; Excellent credit (Beacon Score 740 or above) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Hills Bank and Trust Company Other Rates

Product	Rate	Points	APY/APR
Add-on IRA - Open/Floating Time	0.10%	-	0.10%
Details Open Time Accounts no minimum to open; Penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business ICS DDA	0.05%	-	0.05%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business ICS DDA	0.10%	-	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business ICS DDA	0.10%	-	0.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business ICS DDA	0.10%	-	0.10%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business ICS DDA	0.10%	-	0.10%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Employee Advantage	0.05%	-	0.05%
Min Balance $1,000 Details Balance: $1,000 & over; Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. Limit of one Employee Advantage account type per individual. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Employee Advantage	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 & over; Limit of one Employee Advantage account type per individual; APY based on monthly compounding Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Hills Bank and Trust Company’s Texas Ratio fell from 7.52% in Q3 2023 to 2.40% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.8B	2.40%	5.0	A+
March 31, 2026	$4.7B	3.26%	5.0	A+
December 31, 2025	$4.6B	3.42%	5.0	A+
September 30, 2025	$4.7B	3.19%	5.0	A+
June 30, 2025	$4.6B	4.10%	5.0	A+
March 31, 2025	$4.6B	5.30%	5.0	A+
December 31, 2024	$4.6B	4.77%	5.0	A+
September 30, 2024	$4.4B	5.28%	5.0	A+
June 30, 2024	$4.3B	5.49%	5.0	A+
March 31, 2024	$4.4B	5.93%	5.0	A+
December 31, 2023	$4.3B	6.10%	5.0	A
September 30, 2023	$4.2B	7.52%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hills Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hills Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hills Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Hills Bank and Trust Company

Website https://www.hillsbank.com

Address 131 Main St, Hills, IA 52235 · Johnson

Bank Holding Company HILLS BCORP

FDIC Certificate # 14650

Regulator FDIC

Established January 1, 1904

FDIC Insurance Date August 1, 1934

Domestic Offices 21

Total Branches 21

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.40%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

2.0796%

Return on Equity (ROE)

16.0800%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

$4,794,969,000

Total Deposits

$3,525,152,000

Equity Capital

$624,717,000

Net Income

$48,916,000

Headquarters

Hills

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Hills Bank and Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/hills-bank-and-trust-company-rates-review-14650">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Hills Bank and Trust Company yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Hills Bank and Trust Company

Frequently Asked Questions About Hills Bank and Trust Company

How many branches does Hills Bank and Trust Company operate?

Hills Bank and Trust Company currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Hills Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hills Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Hills Bank and Trust Company offer online and mobile banking?

Most modern institutions like Hills Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hillsbank.com.

Current Hills Bank and Trust Company Rates

12-Month CD0.30%
18-Month CD0.40%
24-Month CD0.45%
36-Month CD0.55%
48-Month CD0.60%
60-Month CD0.70%
Savings0.30%
MMA3.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Lake-Osceola State Bank First Financial Bank Eagle Bank Glenwood, MN Progressive National Bank Farmers State Bank of Medora Bank of Belle Glade Community Bank Dunlap, IA Farmers and Merchants State Bank of Alpha Citizens Bank & Trust Co. MS Crossroads Bank Yoakum, TX Bank of Jamestown Union State Bank Pell City, AL BTG Pactual Bank Union State Bank Winterset, IA First National Bank of America (FNBA) BankCherokee SBT State Bank of Toulon Lcsb First Secure Bank and Trust Co. The Peoples State Bank Cherryvale, KS Blue Ridge Bank National Association

Hills Bank and Trust Company Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hills Bank and Trust Company Texas Ratio

Hills Bank and Trust Company Health Trend

Hills Bank and Trust Company CD Rates

Hills Bank and Trust Company Business CD Rates

Hills Bank and Trust Company Savings Rates

Hills Bank and Trust Company Business Savings Rates

Hills Bank and Trust Company Money Market Rates

Hills Bank and Trust Company Business Money Market Rates

Hills Bank and Trust Company Checking Rates

Hills Bank and Trust Company Business Checking Rates

Hills Bank and Trust Company Mortgage Rates

Hills Bank and Trust Company Home Equity & HELOC

Hills Bank and Trust Company Auto Loan Rates

Hills Bank and Trust Company Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Hills Bank and Trust Company earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hills Bank and Trust Company

How many branches does Hills Bank and Trust Company operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hills Bank and Trust Company offer online and mobile banking?

Current Hills Bank and Trust Company Rates

Compare to Other Banks