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Hills Bank and Trust Company

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Hills Bank and Trust Company Rates & Review November 2026

Q: 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%

Q: What CD terms does Hills Bank and Trust Company offer?

Hills Bank and Trust Company CD rates are 0.30% APY for a 12 month CD, 0.40% APY for an 18 month CD, 1.15% APY for a 2 year CD, 0.55% APY for a 3 year CD, 1.30% APY for a 4 year CD and 0.70% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Hills Bank and Trust Company for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Hills Bank and Trust Company's 48-Month College Saver CD - Relationship Pricing rates are at 1.30%, 24-Month College Saver CD - Relationship Pricing rates are at 1.15%, 48-Month College Saver CD rates are at 1.14%, 24-Month College Saver CD rates are at 1.00%, CD (CD) - 60-Month rates are at 0.70%. Hills Bank and Trust Company's savings rates are at 0.30%. Hills Bank and Trust Company's money market rates are at 3.45%. Hills Bank and Trust Company's checking rates are as high as 3.50%. Hills Bank and Trust Company's 15 Year Fixed Rate Loan 30 Day Lock rates are at 6.125%, Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock rates are at 6.125%, 30 Year Fixed Rate Loan 30 Day Lock rates are at 6.50%, 30 Year Fixed Rate Loan 60 Day Lock rates are at 6.625%. Hills Bank and Trust Company's Auto Loan Rates are as low as 6.75%. Hills Bank and Trust Company's top CD rate of 3.49% APY on a 6 month CD is 24% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. 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 11/05/2026.

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 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	Min. Deposit
6-Month Special CD - Relationship Pricing	3.45%	3.49%	6 month	$500
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.49% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
4-Month Special CD - Relationship Pricing	3.41%	3.45%	4 month	$500
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
11-Month Special CD - Relationship Pricing	3.35%	3.39%	11 month	$500
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.39% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15-Month Special CD - Relationship Pricing	3.20%	3.24%	15 month	$500
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
6-Month Special CD	3.20%	3.24%	6 month	$500
Min Deposit $500 Details Standard pricing; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
20-Month Special CD - Relationship Pricing	3.15%	3.19%	20 month	$500
Min Deposit $500 Details Relationship pricing; requires active checking account with recurring deposits and or debit activity; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.19% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
4-Month Special CD	3.15%	3.19%	4 month	$500
Min Deposit $500 Details Standard pricing; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.19% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
11-Month Special CD	3.10%	3.14%	11 month	$500
Min Deposit $500 Details Standard pricing; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15-Month Special CD	2.95%	2.98%	15 month	$500
Min Deposit $500 Details Standard pricing; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
20-Month Special CD	2.90%	2.93%	20 month	$500
Min Deposit $500 Details Standard pricing; CD special applies for initial term only and renews at next lower non-special standard term; APY based on quarterly compounding; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.93% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
48-Month College Saver CD - Relationship Pricing	1.29%	1.30%	48 month	$100
Min Deposit $100 Details Relationship pricing: requires an active checking account with recurring deposits and/or debit activity; subsequent deposit minimum $25; first named account holder must be under the age of 21; additions not allowed beginning with the renewal period after the first named depositor reaches age 21; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24-Month College Saver CD - Relationship Pricing	1.15%	1.15%	24 month	$100
Min Deposit $100 Details Relationship pricing: requires an active checking account with recurring deposits and/or debit activity; subsequent deposit minimum $25; first named account holder must be under the age of 21; additions not allowed beginning with the renewal period after the first named depositor reaches age 21; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
48-Month College Saver CD	1.14%	1.14%	48 month	$100
Min Deposit $100 Details Subsequent deposit minimum $25; first named account holder must be under the age of 21; additions not allowed beginning with the renewal period after the first named depositor reaches age 21; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
24-Month College Saver CD	1.00%	1.00%	24 month	$100
Min Deposit $100 Details Subsequent deposit minimum $25; first named account holder must be under the age of 21; additions not allowed beginning with the renewal period after the first named depositor reaches age 21; penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 60-month	0.70%	0.70%	60 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 60-month	0.70%	0.70%	60 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 48-month	0.60%	0.60%	48 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 48-month	0.60%	0.60%	48 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 36-month	0.55%	0.55%	36 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 36-month	0.55%	0.55%	36 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.55% APY · checked 3 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	$500
Min Deposit $500 Details Standard rate; $500 minimum to open and obtain APY; Subsequent deposit minimum $100; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 30-month	0.50%	0.50%	30 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 30-month	0.50%	0.50%	30 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 24-month	0.45%	0.45%	24 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 24-month	0.45%	0.45%	24 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 18-month	0.40%	0.40%	18 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 18-month	0.40%	0.40%	18 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 12-month	0.30%	0.30%	12 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 12-month	0.30%	0.30%	12 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 6-month	0.20%	0.20%	6 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 6-month	0.20%	0.20%	6 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) - 3-month	0.10%	0.10%	3 month	$500
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 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
CD (CD) / IRA - 3-month	0.10%	0.10%	3 month	$500
Min Deposit $500 Details Standard Terms; $500 minimum to open and obtain APY unless otherwise stated; Penalty for early withdrawal; APY based on quarterly compounding Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 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 Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 & over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 10 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 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 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 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 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 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 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 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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	View More
Business Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 & over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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; Minimum $25,000 to open; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 10 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; Minimum $25,000 to open; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 10 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; Minimum $25,000 to open; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 10 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; Minimum $25,000 to open; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 10 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; Minimum $25,000 to open; Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.29% APY · checked 10 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 Deposit $15,000 Min Balance $1,000,000 Details Balance: $1,000,000 & over; Limited time offer; new money required; accounts convert to Gold Premier money market account on 1/2/27 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 9 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 Deposit $15,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Limited time offer; new money required; accounts convert to Gold Premier money market account on 1/2/27 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 1.92% APY · checked 7 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 Deposit $15,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Limited time offer; new money required; accounts convert to Gold Premier money market account on 1/2/27 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 1.66% APY · checked 7 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 Deposit $15,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Limited time offer; new money required; accounts convert to Gold Premier money market account on 1/2/27 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 7 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 Deposit $15,000 Min Balance $15,000 Details Balance: $15,000 - $99,999; Limited time offer; initial deposit of $15,000 or more; future deposits must be new money; accounts convert to Gold Premier money market account on 1/2/27 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 1.36% APY · checked 7 times 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; no interest earned on days balance falls below $15,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 10 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; no interest earned on days balance falls below $15,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 10 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; no interest earned on days balance falls below $15,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 10 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; no interest earned on days balance falls below $15,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 10 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; no interest earned on days balance falls below $15,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 10 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 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 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 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 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 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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 on days balance falls below $1,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Employee Advantage Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $999; Limit of one Employee Advantage account type per individual Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Investing In Our Community Money Market	0.00%	0.00%
Min Deposit $15,000 Min Balance $0 Details Balance: $0 - $14,999; Limited time offer; new money required; accounts convert to Gold Premier money market account on 1/2/27 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 8 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 Money Market	0.25%	0.25%
Min Balance $75,000 Details Balance: $75,000 & over; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 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; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 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; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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; APY based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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; Qualifying balance up to $25,000.00; Personal accounts only; APY is based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 8 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; $10,000+ in household deposits; For customers 50 years of age or older with qualifying deposits; Friends Club Membership Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Non-Profit Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Non-Profit Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 & over Last Updated 11/05/2026 Rate History No change since Oct 20, 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 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Non-Profit Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Non-Profit Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Non-Profit Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% 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	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 999 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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; If balance is less than $2,500 no interest is earned for that day; APY is based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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; If balance is less than $2,500 no interest is earned for that day; APY is based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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; If balance is less than $2,500 no interest is earned for that day; APY is based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 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; If balance is less than $2,500 no interest is earned for that day; APY is based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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; If balance is less than $2,500 no interest is earned for that day; APY is based on monthly compounding Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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	6.125%	-	6.165%	180 months
Details Loan Amount: $300,000; Payment per $1,000 Borrowed: $8.51; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Fixed Rate tab, All Rates effective November 4, 2026 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 6.37% → 6.17% ▼ 0.21 pts · high 6.54% / low 6.17% Oct 31, 20266.17%▼ from 6.42% 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	6.125%	-	6.165%	180 months
Details Loan Amount: $300,000; Rate/Term Refinance; 60 day lock; based on 75% LTV and 780 credit score; owner-occupied Last Updated 11/05/2026 Rate History 3 changes since Oct 14, 2026 · 6.54% → 6.17% ▼ 0.38 pts · high 6.54% / low 6.17% Nov 5, 20266.17%▼ from 6.29% Oct 31, 20266.29%▼ from 6.42% Oct 20, 20266.42%▼ from 6.54% Oct 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 Year Fixed Rate Loan 30 Day Lock	6.125%	-	6.185%	180 months
Details Loan Amount: $200,000; Payment per $1,000 Borrowed: $8.51; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Fixed Rate tab, All Rates effective November 4, 2026 Last Updated 11/05/2026 Rate History 4 changes since Sep 18, 2026 · 6.37% → 6.19% ▼ 0.19 pts · high 6.54% / low 6.17% Nov 5, 20266.19%▲ from 6.17% Oct 31, 20266.17%▼ from 6.42% Oct 14, 20266.42%▼ from 6.54% Sep 27, 20266.54%▲ from 6.37% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
15 Year Fixed Rate Loan 30 Day Lock	6.125%	-	6.245%	180 months
Details Loan Amount: $100,000; Payment per $1,000 Borrowed: $8.51; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Fixed Rate tab, All Rates effective November 4, 2026 Last Updated 11/05/2026 Rate History 4 changes since Sep 18, 2026 · 6.37% → 6.25% ▼ 0.13 pts · high 6.54% / low 6.25% Nov 5, 20266.25%▼ from 6.31% Oct 31, 20266.31%▼ from 6.42% Oct 14, 20266.42%▼ from 6.54% Sep 27, 20266.54%▲ from 6.37% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Fixed Rate Refinance - 15 Year Fixed Rate Loan 60 Day Lock	6.25%	-	6.31%	180 months
Details Loan Amount: $200,000; Rate/Term Refinance; 60 day lock; based on 75% LTV and 780 credit score; owner-occupied Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.54% → 6.31% ▼ 0.23 pts · high 6.54% / low 6.31% Oct 31, 20266.31%▼ from 6.42% Oct 20, 20266.42%▼ from 6.54% Oct 14, 20266.54%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	6.25%	-	6.37%	180 months
Details Loan Amount: $100,000; Rate/Term Refinance; 60 day lock; based on 75% LTV and 780 credit score; owner-occupied Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.54% → 6.37% ▼ 0.17 pts · high 6.54% / low 6.37% Oct 31, 20266.37%▼ from 6.42% Oct 20, 20266.42%▼ from 6.54% Oct 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 30 Day Lock	6.50%	-	6.574%	30 years
Details Loan Amount: $100,000; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Rates effective November 4, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 18, 2026 · 6.79% → 6.57% ▼ 0.21 pts · high 7.15% / low 6.57% Oct 31, 20266.57%▼ from 6.91% Oct 14, 20266.91%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 30 Day Lock	6.625%	-	6.65%	30 years
Details Loan Amount: $300,000; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Rates effective November 4, 2026 Last Updated 11/05/2026 Rate History 6 changes since Sep 18, 2026 · 6.79% → 6.65% ▼ 0.14 pts · high 7.15% / low 6.65% Nov 5, 20266.65%▼ from 6.66% Oct 31, 20266.66%▼ from 6.91% Oct 14, 20266.91%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 30 Day Lock	6.625%	-	6.662%	30 years
Details Loan Amount: $200,000; Rate is a 30 day lock, assumes 75% LTV and 780 credit score; Rates effective November 4, 2026 Last Updated 11/05/2026 Rate History 5 changes since Sep 18, 2026 · 6.79% → 6.66% ▼ 0.13 pts · high 7.15% / low 6.66% Oct 31, 20266.66%▼ from 6.91% Oct 14, 20266.91%▼ from 7.15% Oct 1, 20267.15%▲ from 7.08% Sep 27, 20267.08%▲ from 6.83% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 60 Day Lock	6.625%	-	6.662%	30 years
Details Loan Amount: $200,000; Refinance (Rate/Term); 30 year fixed; 60 day lock; assumes 75% LTV and 780 credit score; Payment per $1,000 Borrowed: $6.40 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.04% → 6.66% ▼ 0.38 pts · high 7.04% / low 6.66% Oct 31, 20266.66%▼ from 7.04% Oct 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 60 Day Lock	6.625%	-	6.699%	30 years
Details Loan Amount: $100,000; Refinance (Rate/Term); 30 year fixed; 60 day lock; assumes 75% LTV and 780 credit score; Payment per $1,000 Borrowed: $6.40 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.04% → 6.70% ▼ 0.34 pts · high 7.04% / low 6.70% Oct 31, 20266.70%▼ from 7.04% Oct 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
30 Year Fixed Rate Loan 60 Day Lock	6.75%	-	6.775%	30 years
Details Loan Amount: $300,000; Refinance (Rate/Term); 30 year fixed; 60 day lock; assumes 75% LTV and 780 credit score; Payment per $1,000 Borrowed: $6.49 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.04% → 6.78% ▼ 0.26 pts · high 7.04% / low 6.78% Oct 31, 20266.78%▼ from 7.04% Oct 14, 20267.04%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 - 5 Year	-	-	6.99%	5 Year
Details Rate based on 740+ credit score and 80% LTV; closing cost $500; appraisal $400-$650 if required; rates effective October 9, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.99% APR · checked 3 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 Monthly Payment for $50,000 Borrowed: $444.70; Final Balloon Payment at Maturity: $37,219.97; Lines have a closing cost of $500; Rate is based on a 740+ credit score and an 80% Loan to Value (LTV); Annual Percentage Rate (APR) is accurate as of 09/04/2026 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 12 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 Loan - 2025-Newer Model Year	-	-	6.75%	72 months
Details As Low As; Model Year: 2025-Newer; Maximum Term (Months): 72; Assumes Beacon Score of 740 or above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan - 2024-2021 Model Year	-	-	7.25%	60 months
Details As Low As; Model Year: 2024-2021; Maximum Term (Months): 60; Assumes Beacon Score of 740 or above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan - 2020-2018 Model Year	-	-	7.75%	48 months
Details As Low As; Model Year: 2020-2018; Maximum Term (Months): 48; Assumes Beacon Score of 740 or above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan - 2017-2006 Model Year	-	-	9.50%	36 months
Details As Low As; Model Year: 2017-2006; Maximum Term (Months): 36; Assumes Beacon Score of 740 or above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.50% APR · checked 3 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
Add-on IRA	0.45%	-	0.45%	20 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA	0.50%	-	0.50%	24 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 11/05/2026 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	0.60%	-	0.60%	36 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA	0.65%	-	0.65%	48 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA	0.75%	-	0.75%	60 month
Min Deposit $500 Details $500 minimum to open and obtain APY; Penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Add-on IRA	0.10%	-	0.10%
Min Deposit $0 Details Open Time Accounts no minimum to open; Penalty for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 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; Limit of one Employee Advantage account type per individual; If direct deposit from an Employee Advantage company is discontinued, the account converts to a regular Savings account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times 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 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
ICS DDA	0.05%	-	0.05%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
ICS DDA	0.10%	-	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
ICS DDA	0.10%	-	0.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
ICS DDA	0.10%	-	0.10%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
ICS DDA	0.10%	-	0.10%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 3 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

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

2026 MBR Health & Safety Badge

Hills Bank and Trust Company earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Hills Bank and Trust Company

Does Hills Bank and Trust Company offer CDs?

Yes. Hills Bank and Trust Company current CD rates include its 48-Month College Saver CD - Relationship Pricing at 1.30% APY, its 24-Month College Saver CD - Relationship Pricing at 1.15% APY and its 48-Month College Saver CD at 1.14% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Hills Bank and Trust Company FDIC insured?

Yes. Hills Bank and Trust Company is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Hills Bank and Trust Company?

The highest Hills Bank and Trust Company CD rate is its 6-Month Special CD - Relationship Pricing at 3.49% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Hills Bank and Trust Company offer?

Hills Bank and Trust Company CD rates are 0.30% APY for a 12 month CD, 0.40% APY for an 18 month CD, 1.15% APY for a 2 year CD, 0.55% APY for a 3 year CD, 1.30% APY for a 4 year CD and 0.70% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Hills Bank and Trust Company for its full lineup.

What is the highest savings rate at Hills Bank and Trust Company?

The highest Hills Bank and Trust Company savings rate is its Gold Savings at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Hills Bank and Trust Company?

The highest Hills Bank and Trust Company money market rate is its Purpose Money Market at 3.45% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Hills Bank and Trust Company?

The highest Hills Bank and Trust Company checking rate is its High Interest Checking at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Hills Bank and Trust Company?

The lowest Hills Bank and Trust Company 30 year fixed mortgage rate is its 15 Year Fixed Rate Loan 30 Day Lock at 6.125%, verified by MonitorBankRates as of November 5, 2026. Hills Bank and Trust Company mortgage rates are 6.50% for a 30 year mortgage and 6.125% for a 15 year mortgage.

What is the lowest auto loan rate at Hills Bank and Trust Company?

The lowest Hills Bank and Trust Company auto loan rate is its Auto Loan - 2025-Newer Model Year at 6.75% APR, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Hills Bank and Trust Company rates compare?

Hills Bank and Trust Company's top CD rate of 3.49% APY on a 6 month CD is 24% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. Hills Bank and Trust Company's top rates are its 6-Month Special CD - Relationship Pricing at 3.49% APY, its Gold Savings at 0.30% APY, its Purpose Money Market at 3.45% APY, its High Interest Checking at 3.50% APY, its 15 Year Fixed Rate Loan 30 Day Lock at 6.125% and its Auto Loan - 2025-Newer Model Year at 6.75% APR, verified by MonitorBankRates on November 5, 2026.

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.

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Hills Bank and Trust Company Rates & Review November 2026

Brian McKay

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Hills Bank and Trust Company 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

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Hills Bank and Trust Company earned the Verified Healthy badge

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Frequently Asked Questions About Hills Bank and Trust Company

Does Hills Bank and Trust Company offer CDs?

Are CDs from Hills Bank and Trust Company FDIC insured?

What is the highest CD rate at Hills Bank and Trust Company?

What CD terms does Hills Bank and Trust Company offer?

What is the highest savings rate at Hills Bank and Trust Company?

What is the highest money market rate at Hills Bank and Trust Company?

What is the highest checking rate at Hills Bank and Trust Company?

What is the lowest 30 year fixed mortgage rate at Hills Bank and Trust Company?

What is the lowest auto loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Hills Bank and Trust Company rates compare?

Current Hills Bank and Trust Company Rates

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