Personal Loan Rates

Personal Loan Rates

Rates effective June 1, 2023 and subject to change at any time without notice.

  • 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 8.000% 59 pmts of $6.79 1 pmt of $1,006.79
    • Lines/Loans under $25,000 would have closing costs of $185 to $211. Lines/Loans over $25,000 would have closing costs of $296 to $511. In addition, if an appraisal is required, appraisals range between $400 and $650. 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 03/23/2023.
    • 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 is not responsible for typographical errors or omissions.

  • Fixed Rate Home Equity Loan
    Term Interest Rate Annual Percentage Rate (APR) Monthly Payment Per $1,000 Borrowed Final Balloon Payment at Maturity
    5.5 years 7.250% 7.253% 65 pmts of $9.13 1 pmt of $750.56
    • Lines/Loans under $25,000 would have closing costs of $35 to $61. Lines/Loans over $25,000 would have closing costs of $146 to $361. In addition, if an appraisal is required, appraisals range between $400 and $650. 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 01/03/2023.
    • 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 is not responsible for typographical errors or omissions.

  • Auto Loans
    Model Year Maximum Term (Months) Annual Percentage Rate(APR)
    2022-New 72 7.264%
    2018-2021 60 7.516%
    2016-2017 48 8.513%
    2015 or older 48 10.025%
    • Advertised as low as APRs (annual percentage rates) assume excellent borrower credit history (Beacon Score of 720 or above), and is generally dependent upon LTV and term. Your actual APR may differ based on these factors. All factors will be reflected in your individual APR quote if you are approved for a loan.
    • Example: A $35,000.00 72-month, fixed-rate car loan for model years 2022-2023 would have 72 monthly payments of $601.16 each, at annual percentage rate (APR) of 7.2641%.
    • Example: A $25,000.00 60-month, fixed rate car loan for model years 2018-2021 would have 60 monthly payments of $501.15 each, at annual percentage rate (APR) of 7.516%.
    • Example: A $15,000 48-month, fixed rate car loan for model years 2016-2017 would have 48 monthly payments of $368.17 each, at annual percentage rate (APR) of 8.513%.
    • Example: A $10,000.00 48-month fixed rate car loan for model years 2015 and older would have 48 monthly payments of $253.75 each, at annual percentage rate (APR) of 10.025%.
    • Hills Bank is not responsible for typographical errors or omissions

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