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View the loan rates for credit cards, home equity lines of credit, and home equity loans.

 

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Loan Rates

Personal Deposit RatesBusiness Deposit Rates | Loan Rates

Below you will find loan rates for:

Apply online for a real estate loan or visit any Hills Bank location.



 

Real Estate Loan Rates 

 

PURCHASE Transactions - Fixed Rate Real Estate Loans (Secondary Market)

All Rates Effective April 17, 2014 at 3:00 p.m.
Rates are subject to change during the day without notice.
Please call 1-800-HILLSBK for the most up-to-date rate quotes.

Click for refinance transactions

30 Year Fixed Rate Loan
30 Day Lock
Loan Amount Points Interest Rate Annual Percentage Rate (APR) Number of Monthly Payments Payment per $1,000 Borrowed
$300,000 - $417,000 0.000 4.125% 4.143% 360 $4.85
$225,000 - $299,999 0.000 4.125% 4.143% 360 $4.85
$200,000 - $224,999 0.000 4.250% 4.263% 360 $4.92
$175,000 - $199,999 0.000 4.250% 4.265% 360 $4.92
$150,000 - $174,999 0.000 4.250% 4.267% 360 $4.92
$125,000 - $149,999 0.000 4.250% 4.271% 360 $4.92
$100,000 - $124,999 0.000 4.250% 4.276% 360 $4.92
$75,000 - $99,999 0.000 4.250% 4.284% 360 $4.92
$50,000 - $74,999 0.000 4.375% 4.427% 360 $4.99


 

15 Year Fixed Rate Loan
30 Day Lock
Loan Amount Points Interest Rate Annual Percentage Rate (APR) Number of Monthly Payments Payment per $1,000 Borrowed
$300,000 - $417,000 0.000 3.125% 3.149% 180 $6.97
$225,000 - $299,999 0.000 3.125% 3.149% 180 $6.97
$200,000 - $224,999 0.000 3.250%

3.272%

180 $7.03
$175,000 - $199,000 0.000 3.250% 3.275% 180 $7.03
$150,000 - $174,999 0.000 3.250% 3.280% 180 $7.03
$125,000 - $149,999 0.000 3.250% 3.285% 180 $7.03
$100,000 - $124,999 0.000 3.250% 3.294% 180 $7.03
$75,000 - $99,999 0.000 3.250% 3.309% 180 $7.03
$50,000 - $74,999 0.000 3.375% 3.464% 180 $7.09

 

 

REFINANCE Transactions - Fixed Rate Real Estate Loans (Secondary Market)

 

30 Year Fixed Rate Loan 
45 Day Lock
Loan Amount Points  Interest Rate  Annual Percentage Rate (APR)  Number of Monthly Payments  Payment per $1,000 Borrowed 
$300,000 - $417,000 0.000 4.250% 4.259% 360 $4.92
$225,000 - $299,000 0.000 4.250% 4.261% 360 $4.92
$200,000 - $224,999 0.000 4.250% 4.263% 360 $4.92
$175,000 - $199,999 0.000 4.250% 4.265% 360 $4.92
$150,000 - $174,999 0.000 4.250% 4.267% 360  $4.92
$125,000 - $149,999 0.000 4.250% 4.271% 360 $4.92
$100,000 - $124,999 0.000 4.250% 4.276% 360 $4.92
$75,000 - $99,999 0.000 4.375% 4.410% 360 $4.99
$50,000 - $74,999 0.000 4.500% 4.552% 360 $5.07


 

15 Year Fixed Rate Loan
45 Day Lock
Loan Amount Points  Interest Rate  Annual Percentage Rate (APR)  Number of Monthly Payments  Payment per $1,000 Borrowed 
$300,000 - $417,000 0.000 3.250% 3.149% 180 $7.03
$225,000 - $299,000 0.000 3.250% 3.149% 180 $7.03
$200,000 - $224,999 0.000 3.250% 3.150% 180 $7.03
$175,000 - $199,999 0.000 3.250% 3.150% 180 $7.03
$150,000 - $174,999 0.000 3.250%

3.151%

180

$7.03

$125,000 - $149,999 0.000 3.250% 3.160% 180 $7.03
$100,000 - $124,999 0.000 3.375%  3.169% 180 $7.09
$75,000 - $99,999 0.000 3.375% 3.184% 180 $7.09
$50,000 - $74,999 0.000 3.500% 3.214% 180 $7.15

 

  • Monthly payments do not include amounts for taxes and insurance (if applicable), and actual payments will be greater.
  • Rates assume owner-occupied dwelling.
  • Rates are subject to qualifying credit and may change.
  • Rates are 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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Adjustable Rate Real Estate Loan (In-house)

In-house ARM rates effective April 17, 2014 and are subject to change without notice.

Adjustable Rate Mortgage Loan
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 
3.000%  3.135%  12 pmts of $3.58
348 pmts of $3.64
0.10
Effective 04-15-14 
3.00 
3 year
Interest rate is subject
to increase after consummation
3.250%  3.173%  36 pmts of $3.70
324 pmts of $3.65
0.10
Effective 04-15-14 
3.00 
5 year
Interest rate is subject
to increase after consummation
3.375%  3.233%  60 pmts of $3.76
300 pmts of $3.66 
0.10
Effective 04-15-14 
3.00 
7 year
Interest rate is subject
to increase after consummation
3.875%  3.498%  84 pmts of $4.00
276 pmts of $3.71
0.10
Effective 04-15-14 
3.00 
10 year
Interest rate is subject
to increase after consummation
4.250%  3.847% 

120 pmts of $4.19

240 pmts of $3.79

0.10
Effective 04-15-14
3.00 

 (Examples shown are for a Purchase Transaction only)

  • Monthly payments do not include amounts for taxes and insurance (if applicable), and actual payments will be greater.
  • APR is based on $100,000 loan amount.
  • Rates assume owner-occupied dwelling.
  • Rates are based on a purchase. Refinance loans are 0.25% higher.
  • 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.
  • Interest rate buy-down options allowed on In-House loans:  a .5 discount point fee will reduce interest rate by .125%
  • If outside of trade area, add .25%.
  • If >25 acres:  add .50%
  • If loan amount is <$40,000, add .25% to rate.
  • 10/1 ARM product available on purchases only.
  • Maximum loan to value (LTV) 85%.
  • Rates are based on a 720 credit score.
  • 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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Consumer Loan Rates

For additional consumer loan rates, please call 1-800-445-5725 (HILLSBK) to visit with a Personal Banker or stop by any Hills Bank location.

 

Variable Rate Home Equity Line of Credit 
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
4-1-14 
1.25 

 

Loans under $25,000 would have closing costs of $32 to $53. Loans over $25,000 would have closing costs of $32 to $248. In addition, if an appraisal is required, appraisals range between $200 and $425. Rate is based on a 680+ credit score and an 80% Loan to Value (LTV). The margin may vary depending on credit history and loan to value. For other LTV options and rates, contact a Personal Banker at any Hills Bank location. Annual Percentage Rate (APR) is accurate as of 4/1/2014.

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Fixed Rate Home Equity Line of Credit 
Term Annual Percentage Rate (APR)  Monthly Payment per $1,000 Borrowed  Final Balloon Payment at Maturity
5 year 3.99%  59 pmts of $3.32 1 pmt of $1,003.32

 

Fixed Rate Home Equity Loan 
Term Interest Rate  Annual Percentage Rate (APR)  Monthly Payment per $1,000 Borrowed
(15-year Amortization) 
Final Balloon Payment at Maturity
3 year  3.99%  3.99%  35 pmts of $7.39 1 pmt of $844.80
5 year 3.99%  3.99%  59 pmts of $7.39 1 pmt of $730.55

 

Lines/Loans under $25,000 would have closing costs of $22 to $58. Lines/Loans over $25,000 would have closing costs of $22 to $253. In addition, if an appraisal is required, appraisals range between $200 and $425. Rate is based on a 680+ credit score and an 80% Loan to Value (LTV). For other loan to value options and rates, contact a Personal Banker at any Hills Bank location. Annual Percentage Rate (APR) is accurate as of 4/1/2014.

  • 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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