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Personal 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 account, apply online or stop by any Hills Bank location.

 

Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), and Coverdell Education Savings Account (CESAs)

Rates effective July 3, 2015 and subject to change at any time.

Fixed Rate CDs, IRAs & CESAs
Term APY  Interest Rate 
3 Month 0.10% 0.10%
6 Month 0.20% 0.20%
12 Month 0.35% 0.35%
18 Month 0.45% 0.45%
24 Month 0.50% 0.50%
29 Month Special  0.80% 0.80%
30 Month 0.55% 0.55%
36 Month Bump Up* 0.70% 0.70%
48 Month 0.90% 0.90%
60 Month Special 1.75% 1.74%

 

  • 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.
  • *The rate may change after the account is open. One time bump up rate change allowed during the initial term of the CD. New rate is determined by the then current 36 month CD rate and is effective for the remainder of the original term. If bump up is exercised, maturity date remains the same as originally determined. Offer good for a limited time.

 

Add-on Gift CDs
Term APY  Interest Rate 
24 Month 0.50% 0.50%

 

  • APY = Annual Percentage Yield.
  • Penalty may be imposed for early withdrawal.
  • Fees may reduce earnings.
  • $50 minimum to open and obtain APY. Subsequent deposit minimum $50.

 

CollegeSaver CDsTM
Term APY  Interest Rate 
24 Month 0.50% 0.50%
48 Month 0.90% 0.90%

 

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

 

Add-On IRAs & CESAs
Account Type APY  Interest Rate 
Open Time Account 0.10% 0.10%
20 Month 0.45% 0.45%
24 Month 0.50% 0.50%
36 Month Bump Up* 0.70% 0.70%
48 Month 0.90% 0.90%
60 Month Special 1.75% 1.75%

 

  • 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.
  • *The rate may change after the account is open. One time bump up rate change allowed during the initial term of the CD. New rate is determined by the then current 36 month CD rate and is effective for the remainder of the original term. If bump up is exercised, maturity date remains the same as originally determined. Offer good for a limited time.

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Checking Accounts

Rates effective July 3, 2015 and subject to change at any time.

Gold Checking
  APY  Interest Rate 
$0 - $999 0.10% 0.10%
$1,000 - $9,999 0.10% 0.10%
$10,000 & Over 0.10% 0.10%

 

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

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Savings Accounts

Rates effective July 3, 2015 and subject to change at any time.

Regular, GO! & Penny Savers Savings Accounts
  APY  Interest Rate 
$0 & Over 0.10% 0.10%

 

  • Annual Percentage Yield (APY) is based on quarterly compounding.
  • Fees could reduce earnings.
  • No minimum deposit to open or obtain APY.
  • Rate may change after account is open.


 

Gold Savings
  APY  Interest Rate 
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $249,999 0.15% 0.15%
$250,000 - $499,999 0.20% 0.20%
$500,000 & Over 0.25% 0.25%

 

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

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Money Market Accounts

Rates effective July 3, 2015 and subject to change at any time.

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

 

  • Annual Percentage Yield (APY) is based on monthly compounding.
  • Fees could reduce earnings.
  • $1,000 minimum to earn interest.
  • Rate may change after account is open.

 

Gold Premier Money Market
  APY Interest Rate
$15,000 - $99,999 0.15% 0.15%
$100,000 - $249,999 0.15% 0.15%
$250,000 - $499,999 0.20% 0.20%
$500,000 & over 0.25% 0.25%

 

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

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