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Checking
Rates effective November 20, 2009 and subject to change at any time.
Account Type Minimum Balance Interest Tier APY Interest Rate Free Checking $0 None None None Open Welcome Checking* $100 None None None Open Gold Checking** $1,000 minimum daily
balance or combined
relationship daily deposit
balance of $5,000$0-$999.99 0.28% 0.28% Open $1,000-$9,999.99 0.40% 0.40% $10,000 & Over 0.50% 0.50% Optional services included with these accounts:
Debit card
Online banking
Online bill pay
• Annual Percentage Yield (APY) is based on monthly compounding.
• Fees could reduce earnings.
• Rates may change after the account is open.*Welcome Checking: $100 minimum to open. If daily balance falls below minimum a $12^ monthly basic fee will be assessed.
**Gold Checking: No minimum to open. Rate may change after account opening. If daily balance falls below minimum, a $9^ monthly basic fee will be assessed. Combined relationship balances are based on banking relationships of the first person listed on this account, who may be listed on other accounts as an owner, joint owner, or sole proprietor.^Subject to Iowa state sales tax.
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Savings
Rates effective November 20, 2009 and subject to change at any time.
Account Type Minimum Balance Interest Tier APY Interest Rate Regular Savings* $0 None 0.50% 0.50% Gold Savings** $10,000 $0 - $9,999.99 0% 0% $10,000-$24,999.99 0.50% 0.50% $25,000-$49,999.99 0.55% 0.55% $50,000-$99,999.99 0.65% 0.65% $100,000-$249,999.99 0.70% 0.70% $250,000-$499,999.99 0.85% 0.85% $500,000 & over 1.10% 1.10% Optional services included with these accounts:
Online banking
• Annual Percentage Yield (APY) is based on monthly compounding.
• Fees could reduce earnings.
• Rate may change after account opening.
• Transfers to another account or third parties by pre-authorized, automatic, Hills Bank Online or telephone transfers are limited to six per four-week period with no more than three by check, draft, debit card, ACH or similar order to third parties.
*Regular Savings: A quarterly basic fee of $5 is assessed if daily balance falls below $100 any day during the quarter.
**Gold Savings: $10,000 minimum to open. If balance falls below $10,000 any day during the statement period no interest is earned for that day 
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Money Market
Rates effective November 20, 2009 and subject to change at any time.
Account Type Minimum Interest Tier APY Interest Rate Money Market* $0 $0-$999 0.00% 0.00% $1,000-$2,499.99 0.20% 0.20% $2,500-$9,999.99 0.40% 0.40% $10,000-$74,999.99 0.50% 0.50% $75,000 & over 0.59% 0.59% Gold Premier
Money Market*$15,000 minimum
daily balance$0-$14,999.99 0.00% 0.00% $15,000-$99,999.99 0.65% 0.65% $100,000-$249,999.99 0.70% 0.70% $250,000-$499,999 0.85% 0.85% $500,000 & over 1.10% 1.09% Optional services included with these accounts:
Online banking
• Annual Percentage Yield (APY) is based on monthly compounding.
• Fees could reduce earnings.
• Rate may change after account is open.
• Transfers to another account or third parties are limited to six pre-authorized, automatic, Hills Bank Online, or telephone transfers per four-week period with no more than three by check, draft, debit card, ACH or similar order to third parties.*Money Market: If balance is less than $1,000 any day during the statement period no interest is earned for that day and an $8 monthly basic fee will be assessed.
**Gold Premier Money Market: $15,000 minimum to open. If balance is less than $15,000 any day during the statement period no interest is earned for that day.
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Certificates of Deposit
Rates effective November 20, 2009 and subject to change at any time.
Account Type Minimum APY Interest Rate 18 Month $500 1.70% 1.69% 36 Month bump up* $500 2.35% 2.33% • Annual Percentage Yield (APY).
• Fees may reduce earnings.
• Penalty may be imposed for early withdrawal.
•*The rate may change after the account is opened. One time bump-up rate change allowed during the initial term of the Certificate of Deposit (CD). New rate determined by the then current 36 month CD rate and is effective for the remainder of the original term. If bump-up is exercised, maturity date remains the same as originally determined. Offer good for a limited time.
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Not finding what you are looking for?
Contact us at 1-800-445-5725, hillsbank@hillsbank.com or visit hillsbank.com.
Equal Housing Lender • 1-800-445-5725