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 Hills Bank and Trust Company Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Hills Bank and Trust Company's 6-Months 6-Month special - Relationship Pricing rates are at 3.49%, 6-Months Business 6-Month special - Relationship Pricing rates are at 3.49%, 4-Months 4-Month special - Relationship Pricing rates are at 3.45%, 4-Months Business 4-Month special - Relationship Pricing rates are at 3.45%, 11-Months 11-Month special - Relationship Pricing rates are at 3.39%. Hills Bank and Trust Company's savings rates are at 0.05%. Hills Bank and Trust Company's money market rates are at 0.00%. Hills Bank and Trust Company's 15 Year Fixed Rate Loan 30 Day Lock rates are at 5.62%, 15 Year Fixed Rate Loan 30 Day Lock rates are at 5.62%, 15 Year Fixed Rate Loan 30 Day Lock rates are at 5.75%, 15 Year Fixed Rate Loan 60 Day Lock rates are at 5.75%, 15 Year Fixed Rate Loan 60 Day Lock rates are at 5.75%. Hills Bank and Trust Company's Personal Loan Rates are at 6.75%. 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 7.52%. Rates last updated and verified on 08/28/2026. 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. 
Hills Bank and Trust Company CD Rates
Hills Bank and Trust Company Savings Rates
Hills Bank and Trust Company Money Market Rates
Hills Bank and Trust Company 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
Methodology & Data SourcesMonitorBankRates 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
01/01/1904
FDIC Insurance Date
08/01/1934
Domestic Offices
21
Total Branches
21
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
7.52%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0090%
Return on Equity (ROE)
8.5400%
Non-Performing Loans (NPL)
0.79%
Total Assets
$4,647,826,000
Total Deposits
$3,371,323,000
Equity Capital
$603,608,000
Net Income
$62,511,000
Headquarters
Hills
Total Branches and Offices
21
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Hills Bank and Trust CompanyHow 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
Retrieved from our database of financial products. Rates subject to change.
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