Personal Deposit Rates | Business Deposit Rates | Loan Rates
Below you will find loan rates for:
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Fixed Rate - Secondary Market
All Rates Effective November 20, 2009 @ 9:07 a.m.
Rates are subject to change during the day without notice.
Please call 1-800-HILLSBK for the most up-to-date rate quotes.
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| Loan Amount |
Points |
Interest Rate |
Annual Percentage Rate (APR) |
Number of Monthly Payments |
Payment per $1,000 Borrowed |
|
0.000 |
4.750% |
4.759% |
360 |
$5.22 |
|
0.000 |
4.750% |
4.761% |
360 |
$5.22 |
|
0.000 |
4.750% |
4.762% |
360 |
$5.22 |
|
0.000 |
4.750% |
4.764% |
360 |
$5.22 |
|
0.000 |
4.750% |
4.767% |
360 |
$5.22 |
|
0.000 |
4.875% |
4.896% |
360 |
$5.29 |
|
0.000 |
4.875% |
4.902% |
360 |
$5.29 |
|
0.000 |
4.875% |
4.911% |
360 |
$5.29 |
|
0.000 |
5.000% |
5.054% |
360 |
$5.37 |
| Loan Amount |
Points |
Interest Rate |
Annual Percentage Rate (APR) |
Number of Monthly Payments |
Payment per $1,000 Borrowed |
|
0.000 |
4.250% |
4.266% |
180 |
$7.52 |
|
0.000 |
4.250% |
4.268% |
180 |
$7.52 |
|
0.000 |
4.250% |
4.271% |
180 |
$7.52 |
|
0.000 |
4.250% |
4.274% |
180 |
$7.52 |
|
0.000 |
4.250% |
4.278% |
180 |
$7.52 |
|
0.000 |
4.375% |
4.410% |
180 |
$7.59 |
|
0.000 |
4.375% |
4.421% |
180 |
$7.59 |
|
0.000 |
4.375% |
4.436% |
180 |
$7.59 |
|
0.000 |
4.500% |
4.592% |
180 |
$7.65 |
| Loan Amount |
Points |
Interest Rate |
Annual Percentage Rate (APR) |
Number of Monthly Payments |
Payment per $1,000 Borrowed |
|
0.000 |
4.750% |
4.759% |
360 |
$5.22 |
|
0.000 |
4.750% |
4.761% |
360 |
$5.22 |
|
0.000 |
4.750% |
4.762% |
360 |
$5.22 |
|
0.000 |
4.875% |
4.889% |
360 |
$5.29 |
|
0.000 |
4.875% |
4.892% |
360 |
$5.29 |
|
0.000 |
4.875% |
4.896% |
360 |
$5.29 |
|
0.000 |
4.875% |
4.902% |
360 |
$5.29 |
|
0.000 |
5.000% |
5.036% |
360 |
$5.37 |
|
0.000 |
5.125% |
5.179% |
360 |
$5.44 |
| Loan Amount |
Points |
Interest Rate |
Annual Percentage Rate (APR) |
Number of Monthly Payments |
Payment per $1,000 Borrowed |
|
0.000 |
4.250% |
4.266% |
180 |
$7.52 |
|
0.000 |
4.250% |
4.268% |
180 |
$7.52 |
|
0.000 |
4.250% |
4.271% |
180 |
$7.52 |
|
0.000 |
4.375% |
4.399% |
180 |
$7.59 |
|
0.000 |
4.375% |
4.404% |
180 |
$7.59 |
|
0.000 |
4.375% |
4.410% |
180 |
$7.59 |
|
0.000 |
4.375% |
4.421% |
180 |
$7.59 |
|
0.000 |
4.500% |
4.561% |
180 |
$7.65 |
|
0.000 |
4.625% |
4.717% |
180 |
$7.71 |
- Monthly payments do not include amounts for taxes and insurance if applicable and actual payments will be greater
- Rates assume owner occupied dwelling
- Rates subject to qualifying credit and may change
- Rates based on 740 credit score and 80% loan to value (LTV)
- For other loan amounts, terms, and rates, contact a Mortgage Lender at any location
- Hills Bank and Trust Company is not responsible for typographical errors or omissions
**RATES SUBJECT TO CHANGE WITHOUT NOTICE**

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Real Estate Loans - In-House
In-House ARM Rates Effective November 17, 2009 and are subject to change without notice.
| Term |
Interest Rate |
Annual Percentage Rate (APR) |
Monthly Payment per $1,000 Borrowed |
Index based on 1-yr US Treasury Constant Maturity |
Margin |
1 year Interest rate is subject to increase after consummation |
|
5.000% |
3.527% |
12 pmts of $5.37 348 pmts of $4.44 |
0.33 Effective 11-17-09 |
3.00 |
3 year Interest rate is subject to increase after consummation |
|
5.000% |
3.768% |
36 pmts of $5.37 324 pmts of $4.49 |
0.33 Effective 11-17-09 |
3.00 |
5 year Interest rate is subject to increase after consummation |
|
5.000% |
3.986% |
60 pmts of $5.37 300 pmts of $4.54 |
0.33 Effective 11-17-09 |
3.00 |
10 year Interest rate is subject to increase after consummation |
|
5.500% |
4.761% |
120 pmts of $5.68 12 pmts of $4.79 228 pmts of $4.74 |
0.33 Effective 11-17-09 |
3.00 |
- Monthly payments do not include amounts for taxes and insurance if applicable and actual payments will be greater
- APR based on $100,000 loan amount
- Rates assume owner occupied dwelling.
- Rates are subject to qualifying credit and may change.
- Rates assume primary account relationship with Hills Bank; rates 0.25% higher without primary account relationship.
- 10/1 ARM rate will be reduced by 0.25% for first-time home buyers - For purchase transactions only.
- Maximum loan to value (LTV) 85%.
- Hills Bank and Trust Company is not responsible for typographical errors or omissions.
**RATES SUBJECT TO CHANGE WITHOUT NOTICE**
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| Term |
Annual Percentage Rate (APR) |
Maximum Permissible APR |
Monthly Payment per $1,000 Borrowed |
Final Balloon Payment at Maturity |
Index based on Prime Rate |
Margin |
10 year Interest rate is subject to increase after consummation |
|
4.50% |
10.50% |
119 pmts of $3.82 |
1 pmt of $1,003.82 |
3.25 Effective 11-1-09 |
1.25 |
The margin may vary depending on credit history and loan to value. Loans under $40,000 would have closing costs of $39 to $50. Loans over $40,000 would have closing costs of $39 to $245. In addition, if an appraisal is required, appraisals range between $200 and $375. Rate assumes a loan to value (LTV) of 80%. For other loan to value (LTV) options and rates contact a lender at any Hills Bank location. Annual Percentage Rate (APR) is accurate as of 11/1/2009. If customer does not maintain a Hills Bank deposit relationship, then 0.25% increase will be added to the rate.
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| Term |
Annual Percentage Rate (APR) |
Monthly Payment per $1,000 Borrowed |
Final Balloon Payment at Maturity |
|
5.70% |
35 pmts of $4.84 |
1 pmt of $1,004.84 |
|
5.875% |
59 pmts of $4.99 |
1 pmt of 1,004.99 |
| Term |
Interest Rate |
Annual Percentage Rate (APR) |
Monthly Payment per $1,000 Borrowed 15 year amortization |
Final Balloon Payment at Maturity |
|
5.50% |
5.50% |
35 pmts of $8.17 |
1 pmt of $860.13 |
|
5.75% |
5.75% |
59 pmts of $8.31 |
1 pmt of $756.28 |
Lines/Loans under $40,000 would have closing costs of $39 to $50. Lines/Loans over $40,000 would have closing costs of $39 to $245. In addition, if an appraisal is required, appraisals rage between $200 and $375. Rates assume a loan to value (LTV) of 80%. For other loan to value (LTV) options and rates, contact a lender at any Hills Bank location. Annual Percentage Rate (APR) is accurate as of 11/1/2009. If customer does not maintain a Hills Bank deposit relationship, then a 0.25% increase will be added to the rate.
- Rates are subject to qualifying credit and may change.
- Homeowners' insurance is required.
- Flood insurance may be required.
- Consult a tax advisor regarding deductibility of interest
- Hills Bank and Trust Company is not responsible for typographical errors or omissions.
**RATES SUBJECT TO CHANGE WITHOUT NOTICE**
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Consumer Loan Rates
For consumer loan rates, please call 1-800-HILLSBK to visit with a personal banker or stop by any
Hills Bank location.
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