Rates That Help Your Business Move Forward
Whether you're building reserves, managing operating funds, or planning for future growth, Hills Bank offers a variety of deposit solutions designed to help you make the most of your business funds. From savings and money market accounts to Certificates of Deposit and IntraFi solutions, you'll find competitive options backed by local expertise and personalized service.
Review our current business deposit rates below or connect with Treasury Management to discuss which solution best aligns with your organization's goals.
Competitive rates. Flexible solutions. Local guidance.
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Rates effective October 9, 2026, and subject to change at any time without notice.
Current Earnings Credit Rate: 0.30%
Certificate of Deposit (CD) Specials
| Standard Annual Percentage Yield (APY) | Standard Interest Rate | *Relationship Pricing Annual Percentage Yield (APY) | *Relationship Pricing Interest Rate | |
| 4 month special | 3.19% | 3.15% | 3.45% | 3.41% |
| 6 month special | 3.24% | 3.20% | 3.49% | 3.45% |
| 11 month special | 3.14% | 3.10% | 3.39% | 3.35% |
| 15 month special | 2.98% | 2.95% | 3.24% | 3.20% |
| 20 month special | 2.93% | 2.90% | 3.19% | 3.15% |
$500 minimum to open and obtain APY unless otherwise stated. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. CD specials rates are applicable for the initial term only and will renew at next lower non-special standard term.
*Must have an active checking account with recurring deposits and or debit activity to obtain relationship pricing. Relationship pricing applies only to the 4 month special, 6 month special, 11 month special, 15 month special, 20 month special, and College Saver CD’s. CDARS Certificates of Deposit Accounts do not qualify for relationship pricing.
Certificate of Deposit (CD)
Standard Terms
| Standard Annual Percentage Yield (APY) | Standard Interest Rate | |
| 3 month | 0.10% | 0.10% |
| 6 month | 0.20% | 0.20% |
| 12 month | 0.30% | 0.30% |
| 18 month | 0.40% | 0.40% |
| 24 month | 0.45% | 0.45% |
| 30 month | 0.50% | 0.50% |
| 36 month | 0.55% | 0.55% |
| 48 month | 0.60% | 0.60% |
| 60 month | 0.70% | 0.70% |
$500 minimum to open and obtain APY unless otherwise stated. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding.
Add-on CDs
| Standard Annual Percentage Yield (APY) | Standard Interest Rate | |
| 24 month | 0.50% | 0.50% |
$500 minimum to open and obtain APY. Subsequent deposit minimum $100. Penalty for early withdrawal.
Business Interest Checking
| Annual Percentage Yield (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% |
If balance is less than $2,500 no interest is earned for that day. Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. ChexSystems reports may be pulled for new customers.
Non-Profit Checking
| Annual Percentage Yield (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% |
Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. ChexSystems reports may be pulled for new customers.
Business Savings
| Annual Percentage Yield (APY) | Interest Rate | |
| $0 & over | 0.10% | 0.10% |
Interest rates may change after account is open. Fees could reduce earnings. APY based on monthly compounding. ChexSystems reports may be pulled for new customers.
Gold Savings
| Annual Percentage Yield (APY) | Interest Rate | |
| $10,000 - $24,999 | 0.05% | 0.05% |
| $25,000 - $49,999 | 0.10% | 0.10% |
| $50,000 - $99,999 | 0.15% | 0.15% |
| $100,000 - $249,999 | 0.20% | 0.20% |
| $250,000 - $499,999 | 0.25% | 0.25% |
| $500,000 & over | 0.30% | 0.30% |
$10,000 minimum to open. If balance falls below $10,000, no interest is earned for that day. Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. ChexSystems reports may be pulled for new customers.
Purpose Money Market
| Annual Percentage Yield (APY) | Interest Rate | |
| $25,000 - $99,999 | 2.29% | 2.27% |
| $100,000 - $249,999 | 2.55% | 2.52% |
| $250,000 - $499,999 | 2.80% | 2.76% |
| $500,000 - $999,999 | 3.05% | 3.01% |
| $1,000,000 & over | 3.45% | 3.40% |
Interest rates may change after account is open. Fees could reduce earnings. APY based on monthly compounding. ChexSystems reports may be pulled for new customers.
Limited time offer. Minimum $25,000 to open. Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity. Matured Hills Bank Certificates of Deposit can be deposited into this account and will qualify as new money. Limit one promotional account per customer. No public funds. The Bank reserves the right to deny deposit accounts over $5,000,000.
Gold Premier Money Market
| Annual Percentage Yield (APY) | Interest Rate | |
| $15,000 - $99,999 | 0.30% | 0.30% |
| $100,000 - $249,999 | 0.60% | 0.60% |
| $250,000 - $499,999 | 0.70% | 0.70% |
| $500,000 - $999,999 | 0.80% | 0.80% |
| $1,000,000 & over | 0.90% | 0.90% |
$15,000 minimum to open. If balance falls below $15,000, no interest is earned for that day. Interest rates may change after account is open. Fees could reduce earnings. APY based on monthly compounding. ChexSystems reports may be pulled for new customers.
Business Money Market
| Annual Percentage Yield (APY) | Interest Rate | |
| $1,000 - $2,499 | 0.05% | 0.05% |
| $2,500 - $9,999 | 0.10% | 0.10% |
| $10,000 - $74,999 | 0.20% | 0.20% |
| $75,000 & over | 0.25% | 0.25% |
If balance falls below $1,000, no interest is earned for that day. Interest rates may change after account is open. Fees could reduce earnings. APY based on monthly compounding. ChexSystems reports may be pulled for new customers.
ICS (IntraFi Cash Service)
| ICS DDA | Annual Percentage Yield (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% |
Minimum of $250,000 should be maintained in a Hills Bank account. Excess funds over an established threshold are swept daily into an interest bearing account. Funds in the interest bearing account are FDIC insured through a 3rd party institution.
Your Treasury Management Team Is Here
Whether you're comparing rates, building a savings strategy, or exploring solutions for larger deposit balances, we're ready to help.
Call 1-800-445-5725.