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 2, 2019 and subject to change at any time without notice.

Fixed Rate Home Equity Line of Credit

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

4.25% 

59 pmts of $3.35

1 pmt of $1,003.29

  • 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 11/1/2019.
  • 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.

Fixed Rate Home Equity Loan

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

4.25% 

4.25% 

65 pmts of $7.40

1 pmt of $707.80

  • 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 11/1/2019.
  • 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.

Auto Loans

Auto Loans Rates as low as:

Model Year

Maximum Term (Months)

APR

2018-2019

72

4.501%

2014-2017

60

4.501%

2012-2013

48

5.250%

2011 or older

48

6.250%

  • 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 2018-2019 would have 72 monthly payments of $556.65 each, at annual percentage rate (APR) of 4.501%.
  • Example: A $25,000.00 60-month, fixed rate car loan for model years 2014-2017 would have 60 monthly payments of $466.96 each, at annual percentage rate (APR) of 4.501%.
  • Example: A $15,000 48-month, fixed rate car loan for model years 2012-2013 would have 48 monthly payments of $347.90 each, at annual percentage rate (APR) of 5.250%.
  • Example: A $10,000.00 48-month fixed rate car loan for model years 2011 and older would have 48 monthly payments of $236.61 each, at annual percentage rate (APR) of 6.250%.
  • Hills Bank and Trust Company is not responsible for typographical errors or omissions