Personal Loan Rates

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.

Rates effective December 1, 2018 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

1 year

4.50% 

11 pmts of $3.82

1 pmt of $1,003.70

5 year

4.50% 

59 pmts of $3.82

1 pmt of $1,003.70

 

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

5.5 year

4.50% 

4.50% 

65 pmts of $7.65

1 pmt of $716.51

Lines/Loans under $25,000 would have closing costs of $35 to $61. Lines/Loans over $25,000 would have closing costs of $135 to $361. In addition, if an appraisal is required, appraisals range between $325 and $500. 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 12/1/2018.

  • 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.