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Personal Deposit Rates

Personal Deposit Rates | Business Deposit Rates | Loan Rates

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

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.

Apply Online

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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

Apply Online   Easy Switch to Hills Bank

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