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: 1.00%, 36-Month CD: 0.55%, 48-Month CD: 1.14%, 60-Month CD: 0.70%, Savings: 0.30%, MMA: 3.45%

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Hills Bank and Trust Company

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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 7, 2026

Hills Bank and Trust Company's top rates as of October 7, 2026 are 3.24% APY on its 6-Months 6-Month Certificate Special, 0.30% APY on savings, 3.45% APY on money market accounts, 3.50% APY on checking, and auto loans from 6.75% APR, according to rates verified by MonitorBankRates. Other Hills Bank and Trust Company CD rates include 6-Months Business 6-Month special at 3.24%, 4-Months 4-Month Certificate Special at 3.19%, and 4-Months Business 4-Month special at 3.19%. 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 10/07/2026.

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

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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 Certificate Special	3.20%	3.24%	6 months
Details Relationship Pricing APY: 3.49%, Relationship Pricing Rate: 3.45% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
4 Month Certificate Special	3.15%	3.19%	4 months
Details Relationship Pricing APY: 3.45%, Relationship Pricing Rate: 3.41% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.19% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
11 Month Certificate Special	3.10%	3.14%	11 months
Details Relationship Pricing APY: 3.39%, Relationship Pricing Rate: 3.35% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 Month Certificate Special	2.95%	2.98%	15 months
Details Relationship Pricing APY: 3.24%, Relationship Pricing Rate: 3.20% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.98% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
20 Month Certificate Special	2.90%	2.93%	20 months
Details Relationship Pricing APY: 3.19%, Relationship Pricing Rate: 3.15% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.93% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
College Saver CDs - 48 month	1.14%	1.14%	48 month
Details Relationship Pricing APY: 1.30%; Relationship Pricing Interest Rate: 1.29% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
College Saver CDs - 24 month	1.00%	1.00%	24 month
Details Relationship Pricing APY: 1.15%; Relationship Pricing Interest Rate: 1.15% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 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
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
60 Month IRA Certificate	0.70%	0.70%	60 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA 48 month	0.65%	0.65%	48 month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
48 Month IRA Certificate	0.60%	0.60%	48 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 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
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
36 Month IRA Certificate	0.55%	0.55%	36 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 month Add-on CD	0.50%	0.50%	24 month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Month IRA Certificate	0.50%	0.50%	30 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 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
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24 Month IRA Certificate	0.45%	0.45%	24 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA 20 month	0.45%	0.45%	20 month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
18 Month IRA Certificate	0.40%	0.40%	18 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
12 Month IRA Certificate	0.30%	0.30%	12 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
6 Month IRA Certificate	0.20%	0.20%	6 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
3 Month IRA Certificate	0.10%	0.10%	3 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times 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 6 month special	3.20%	3.24%	6 months
Details Relationship Pricing APY: 3.49%; Relationship Pricing Rate: 3.45% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business 4 month special	3.15%	3.19%	4 months
Details Relationship Pricing APY: 3.45%; Relationship Pricing Rate: 3.41% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.19% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business 11 month special	3.10%	3.14%	11 months
Details Relationship Pricing APY: 3.39%; Relationship Pricing Rate: 3.35% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business 15 month special	2.95%	2.98%	15 months
Details Relationship Pricing APY: 3.24%; Relationship Pricing Rate: 3.20% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.98% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business 20 month special	2.90%	2.93%	20 months
Details Relationship Pricing APY: 3.19%; Relationship Pricing Rate: 3.15% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.93% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Add-on CD - 24 month	0.50%	0.50%	24 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times 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 Balance $500,000 Details Balance: $500,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	3.01%	3.05%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	2.76%	2.80%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	2.52%	2.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Purpose Money Market	2.27%	2.29%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.29% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Investing In Our Community Money Market	2.10%	2.12%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Investing In Our Community Money Market	1.90%	1.92%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Investing In Our Community Money Market	1.65%	1.66%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Investing In Our Community Money Market	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Investing In Our Community Money Market	1.35%	1.36%
Min Balance $15,000 Details Balance: $15,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.36% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.90%	0.90%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.80%	0.80%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.70%	0.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.60%	0.60%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Gold Premier Money Market	0.30%	0.30%
Min Balance $15,000 Details Balance: $15,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Money Market	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	3.01%	3.05%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	2.76%	2.80%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	2.52%	2.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Purpose Money Market	2.27%	2.29%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.29% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.90%	0.90%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.80%	0.80%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.70%	0.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.60%	0.60%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Business Gold Premier Money Market	0.30%	0.30%
Min Balance $15,000 Details Balance: $15,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Friends Club Checking	-	0.10%
Min Balance $10,000 Details Balance: $10,000+ in household deposits; Yes; Friends Club Membership Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
High Interest Checking	0.05%	0.05%
Min Balance $25,001 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $25,001 & over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times 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
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Fixed Rate Home Equity Loan	-	-	6.992%	5.5 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 8 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
2025-Newer Auto Loan	-	-	6.75%	72 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loans - 2025-Newer	-	-	6.75%	60-month
Details As Low As; Advertised as low as APRs (annual percentage rates) assume excellent borrower credit history (Beacon Score of 740 or above), and is generally dependent upon LTV and term. Your actual APR may differ based on these factors. All factors will be reflected in your individual APR quote if you are approved for a loan. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
2024-2021 Auto Loan	-	-	7.25%	60 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
2020-2018 Auto Loan	-	-	7.75%	48 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
2017-2006 Auto Loan	-	-	9.50%	36 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 4 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	Term	View More
Add-on IRA Open/Floating Time	0.10%	-	0.10%
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times 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.
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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

Institution Name Hills Bank and Trust Company

Bank Holding Company HILLS BCORP

Address 131 Main St, Hills, IA 52235 · Johnson

Website https://www.hillsbank.com

FDIC Certificate # 14650

Established 19040101

FDIC Insurance Date 19340801

Domestic Offices 21

Total Branches 21

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0796%

Return on Equity (ROE) 16.0800%

Non-Performing Loans (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 21

Source: FDIC | Last Updated 06/30/2026

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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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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.