Personal Deposit Rates

Personal Deposit Rates | Business Deposit Rates | Loan Rates

There are many ways to earn interest with our deposit rates. Choose from

• Certificates of Deposit (CDs)
• Individual Retirement Accounts (IRAs)
• CollegeSaver CDs
• Add-on IRAs & CESAs
• Checking accounts
• Savings accounts
• Money market accounts

To open a CD, IRA, checking, savings or money market, apply online or stop by any Hills Bank location.

Certificates of Deposit (CDs) & Individual Retirement Accounts (IRAs)

Rates effective May 7, 2008 and subject to change at any time.

Fixed Rate CDs, IRAs & CESAs Under $100,000
Term	APY	Interest Rate
3 Month	1.50%	1.49%
6 Month	2.00%	1.99%
12 Month	3.00%	2.97%
18 Month Special	3.25%	3.21%
24 Month Special	3.35%	3.31%
30 Month	3.40%	3.36%
36 Month Special	3.70%	3.65%
48 Month	3.85%	3.80%
60 Month Special	4.00%	3.94%

Fixed Rate CDs, IRAs & CESAs $100,000 & over
Term	APY	Interest Rate
7-89 Day	1.00%	1.00%
3 Month	1.60%	1.59%
6 Month	2.10%	2.08%
12 Month	3.10%	3.06%
18 Month Special	3.35%	3.31%
24 Month Special	3.45%	3.41%
30 Month	3.50%	3.45%
36 Month Special	3.80%	3.75%
48 Month	3.95%	3.89%
60 Month Special	4.10%	4.04%

• APY - Annual Percentage Yield.
• Penalty may be imposed for early withdrawal.
• Fees may reduce earnings.
• CDs and IRAs - $500 minimum to open and obtain APY unless otherwise stated.
• CESAs - $100 minimum to open and obtain APY. Subsequent deposits may be made at a minimum of $25 until the beneficiary reaches age 18.

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CollegeSaver CDs
Term	APY	Interest Rate
24 Month	3.35%	3.31%
48 Month	3.85%	3.80%

• APY - Annual Percentage Yield.
• Penalty may be imposed for early withdrawal.
• $100 minimum to open and obtain APY. Subsequent deposit minimum $25.
• The first named account holder must be under the age of 21.
• Additions will not be allowed beginning with the renewal period after the first named depositor reaches the age of 21.

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Add-On IRAs & CESAs
Account Type	APY	Interest Rate
Open Time Account	0.60%	0.60%
20 Month	3.25%	3.21%
2 Year	3.35%	3.31%
3 Year	3.70%	3.65%
4 Year	3.85%	3.80%
5 Year	4.00%	3.94%

• APY - Annual Percentage Yield.
• Penalty may be imposed for early withdrawal, except Open Time Accounts.
• Fees may reduce earnings.
• Open time accounts no minimum to open or obtain APY.
• IRAs - $500 minimum to open and obtain APY.
• CESAs - $100 minimum to open and obtain APY. Subsequent deposits may be made at a minimum of $25 until the beneficiary reaches age 18.

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Checking Accounts

Rates effective May 7, 2008 and subject to change at any time.

Gold Checking
	APY	Interest Rate
$0-$999	0.28%	0.28%
$1,000-$9,999	0.40%	0.40%
$10,000 & Over	0.50%	0.50%

 

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Health Savings
	APY	Interest Rate
$0-$999	0.28%	0.28%
$1,000-$9,999	0.40%	0.40%
$10,000 & Over	0.50%	0.50%

• Annual Percentage Yield (APY) is based on monthly compounding
• Fees could reduce earnings
• Rate may change after account is open

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Savings Accounts

Rates effective May 7, 2008 and subject to change at any time.

Regular, GO! & Penny Savers Savings Accounts
	APY	Interest Rate
$0 & Over	0.60%	0.60%

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Gold Savings
	APY	Interest Rate
$0-$9,999	0.00%	0.00%
$10,000-$24,999	0.75%	0.75%
$25,000-$49,999	0.75%	0.75%
$50,000-$99,999	1.00%	1.00%
$100,000-$249,999	1.25%	1.24%
$250,000-$499,999	1.35%	1.34%
$500,000 & Over	1.50%	1.49%

• Annual Percentage Yield (APY) is based on quarterly compounding
• Fees could reduce earnings
• Rate may change after account is open

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Money Market Accounts

Rates effective May 7, 2008 and subject to change at any time.

Money Market
	APY	Interest Rate
$0-$999	0.00%	0.00%
$1,000-$2,499	0.38%	0.38%
$2,500-$9,999	0.46%	0.46%
$10,000-$74,999	0.50%	0.50%
$75,000 & Over	0.59%	0.59%

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Gold Premier Money Market
	APY	Interest Rate
$0-$14,999	0.00%	0.00%
$15,000-$49,999	1.36%	1.35%
$50,000-$99,999	1.36%	1.35%
$100,000 & Over	1.36%	1.35%

• Annual Percentage Yield (APY) is based on monthly compounding
• Fees could reduce earnings
• $15,000 minimum to open Gold Premier Money Market
• Rate may change after account is open

  

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131 Main Street, Hills IA 52235 • 1-800-HILLSBK
Member FDIC • Equal Housing Lender