Jumbo CD Special

Term	APY	Interest Rate
11 Month	4.60%	4.52%

*Limited time offer. Minimum of $25,000 to open with at least $25,000 in new money. New money refers to funds that are not currently held at Hills Bank. Relationship pricing does not apply. Penalty for early withdrawal. Fees may reduce earnings. APY effective 1/30/23.

Fixed Rate CDs

Term	APY	Interest Rate	*Relationship Pricing(Annual Percentage Yield (APY)	*Relationship Pricing Interest Rate
3 Month	0.20%	0.20%	0.20%	0.20%
6 Month	0.30%	0.30%	0.30%	0.30%
9 Month Special	4.35%	4.28%	4.50%	4.43%
12 Month	0.40%	0.40%	0.55%	0.55%
14 Month Special	4.05%	3.99%	4.20%	4.13%
18 Month	0.50%	0.50%	0.65%	0.65%
24 Month	0.55%	0.55%	0.70%	0.70%
30 Month	0.60%	0.60%	0.85%	0.85%
36 Month	0.65%	0.65%	0.90%	0.90%
48 Month	0.70%	0.70%	1.00%	1.00%
60 Month	0.80%	0.80%	1.10%	1.10%

Relationship Pricing Increase are included in above rates. 9-29 months have a 0.15% APY increase, 30-47 months have a 0.25% APY increase, and 48-60 months have a 0.30% APY increase.

• APY = Annual Percentage Yield.
• Penalty may be imposed for early withdrawal.
• Fees may reduce earnings.
• $500 minimum to open and obtain APY unless otherwise stated.
• *Business and nonprofits must have their operating account at Hills Bank to qualify for relationship pricing. Municipals and CDARS Certificate of Deposit accounts do not qualify. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms.

 

Add-on CD

Term	APY	Interest Rate	*Relationship Pricing(Annual Percentage Yield (APY)	*Relationship Pricing Interest Rate
24 Month	0.55%	0.55%	0.70%	0.70%

• APY = Annual Percentage Yield.
• Penalty may be imposed for early withdrawal.
• Fees may reduce earnings.
• $500 minimum to open and obtain APY. Subsequent deposit minimum $100.
• *Business and nonprofits must have their operating account at Hills Bank to qualify for relationship pricing. Municipals and CDARS Certificate of Deposit accounts do not qualify. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms.

Business Interest Checking

Balance	APY	Interest Rate
$2,500 - $14,999	0.05%	0.05%
$15,000 - $49,999	0.05%	0.05%
$50,000 - $99,999	0.10%	0.10%
$100,000 - $499,999	0.10%	0.10%
$500,000 & Over	0.10%	0.10%

• The Annual Percentage Yield (APY) is based on monthly compounding.
• Interest rates may change after account is open.
• Fees could reduce earnings.
• If balance is less than $2,500 no interest is earned for that day.

 

Non-Profit Interest Checking

Balance	APY	Interest Rate
$0 - $999	0.05%	0.05%
$1,000 - $9,999	0.05%	0.05%
$10,000 - $49,999	0.05%	0.05%
$50,000 - $99,999	0.10%	0.10%
$100,000 & Over	0.10%	0.10%

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

Business Money Market

Balance	APY	Interest Rate
$1,000 - $2,499	0.10%	0.10%
$2,500 - $9,999	0.15%	0.15%
$10,000 - $74,999	0.25%	0.25%
$75,000 & Over	0.35%	0.35%

• The Annual Percentage Yield (APY) is based on monthly compounding.
• Interest rates may change after account is open.
• Fees could reduce earnings.
• If balance is less than $1,000 no interest is earned for that day.

 

Gold Premier Money Market

Balance	APY	Interest Rate
$15,000 - $99,999	0.35%	0.35%
$100,000 - $249,999	0.45%	0.45%
$250,000 - $499,999	0.55%	0.55%
$500,000 -& Over	0.60%	0.60%

• $15,000 minimum to open and earn interest
• Pays interest at variables rates on tiered balances
• The Annual Percentage Yield (APY) is based on monthly compounding.
• Transfers to another account or third parties by preauthorized automatic, Hills Bank Online, or telephone transfer are limited to 6 per statement cycle with no more than 3 by check, draft, debit card, or similar order to third parties
• Fees could reduce earnings

Business Savings

Balance	APY	Interest Rate
$0 & Over	0.10%	0.10%

Gold Savings

Balance	APY	Interest Rate
$10,000 - $24,999	0.10%	0.10%
$25,000 - $49,999	0.15%	0.15%
$50,000 - $99,999	0.25%	0.25%
$100,000 - $249,999	0.30%	0.30%
$250,000 - $499,999	0.35%	0.35%
$500,000 -& Over	0.40%	0.40%

• $10,000 minimum to open and earn interest
• Interest rates may change after account is open.
• The Annual Percentage Yield (APY) is based on monthly compounding.
• Fees could reduce earnings

IntraFI DDA Sweep Account

Balance	APY	Interest Rate
Under $15,000	0.05%	0.05%
$15,000 - $49,999	0.05%	0.05%
$50,000 - $99,999	0.10%	0.10%
$100,000 - $249,999	0.10%	0.10%
$250,000 - $499,999	0.10%	0.10%
$500,000 -& Over	0.10%	0.10%

• Excess funds over and established threshold are swept daily into an interest bearing account
• Funds in the interest bearing account are FDIC insured through a 3rd party institution
• APY =  Annual Percentage Yield 
• Line of Credit may be available