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 March 31, 2020 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

3.75% 

59 pmts of $3.18

1 pmt of $1,003.18

  • 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 3/23/2020.
  • 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

3.75% 

3.75% 

65 pmts of $7.27

1 pmt of $703.99

  • 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 3/23/2020.
  • 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

2019-2020

72

3.752%

2015-2018

60

3.752%

2013-2014

48

4.752%

2012 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 2019-2020 would have 72 monthly payments of $543.63 each, at annual percentage rate (APR) of 3.752%.
  • Example: A $25,000.00 60-month, fixed rate car loan for model years 2015-2018 would have 60 monthly payments of $457.61 each, at annual percentage rate (APR) of 3.752%.
  • Example: A $15,000 48-month, fixed rate car loan for model years 2013-2014 would have 48 monthly payments of $343.75 each, at annual percentage rate (APR) of 4.752%.
  • Example: A $10,000.00 48-month fixed rate car loan for model years 2012 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