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View the loan rates for credit cards, home equity lines of credit, and home equity loans.

 

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Life Stages
for wherever you are in life

Lifestages of Wealth
Click on the Life Stages tab above†and choose the stage you are in, then find information
and products specially designed with you in mind.

View Vehicle Values

NADAguides.com

View pricing information on new cars, classic cars, motorcycles, boats, recreational vehicles,
and manufactured homes on the National Automobile Dealers Association website at NADAguides.com.

Free Credit Report

Free Annual Credit Report

AnnualCreditReport.com allows you to request one free credit report per year. In accordance with the Fair and Accurate Credit Transactions Act (FACT Act), AnnualCreditReport.com is a secure way to obtain your credit report from the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion. Get your free annual credit report today!

Loan Calculators

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easy-to-use online loan
calculators
to help you
research your options.  

Personal Loans

Apply Today!

  • Calling us at
    1-800-HILLSBK
    (To apply by phone, you must be 21 or over.)
  • Stopping by
    any location!

Consider Hills Bank for a
hassle-free switch.

Hills Bank offers a wide variety of consumer lending products including home equity loans, vehicle loans, and credit cards.

To learn more about Hills Bank lending programs, call 319-679-5500 for the Iowa City area, 319-654-8100 for the Cedar Rapids area, or toll free at 1-800-445-5725 or stop by any Hills Bank location.

 

 

 

 

 

 

 

Home Equity Loans

Do you own a home and need extra money? Whether itís home improvements, consolidating debt, paying for your child's education, buying a new car, or funding a family vacation, home equity loans and lines of credit offer an excellent way to borrow money.

By taking advantage of the equity in your home, youíll gain access to funds while taking advantage of lower interest rates and a potential tax savings.

Advantages of choosing a home equity loan from Hills Bank: 

  • Easy application process in person or via phone toll free at 1-800-445-5725 (1-800-HILLSBK)
  • Fast, local decision making
  • Helpful and personalized attention
  • Flexible options with variable or fixed rates
  • No prepayment penalties
  • Automatic transfer and ACH payments available
  • Interest may be tax deductible (please consult your tax advisor for more information)
  • Use for almost anything

When applying, bring along your most recent pay stub, social security number, date of birth, copy of your homeowners' insurance policy, and residential and employment history for the last two years.

 
HOME EQUITY LINE OF CREDIT (HELOC)
HOME EQUITY LOAN
What's the difference between a HELOC and Home Equity Loan? A home equity line of credit is a flexible line of credit, similar to a credit card, which utilizes the equity in your home. A home equity loan is a loan with fixed payments and a fixed maturity date that uses the equity in your home, and works similar to a vehicle loan.
What are the advantages? With the HELOC, you can borrow money at any time, for any reason, up to your available credit limit. You are able to pay down the line and draw off of it again as needed with the option of paying interest only when there is an outstanding balance. You have equal monthly payments
based on your original loan amount and term.
Is my interest tax deductible? Tax deductibility is subject to IRS regulations. Please consult your tax advisor for more information. Tax deductibility is subject to IRS regulations. Please consult your tax advisor for more information.
What are the typical uses of each of these loans? Since the HELOC allows you to borrow as your expenses occur, it can be used to finance nearly anything.  Often, it is used for long-term home renovation projects. The Home Equity Loan is primarily used for purchases requiring one lump sum, and can be used to finance nearly anything. Often, it is used for home improvement or debt consolidation.
If I need more money, do I need to re-apply? No, unless you are requesting to increase your line of credit. Since funds are dispersed as a lump sum, you would need to reapply for additional money.
Is there an annual fee associated with this loan? No (see terms) No (see terms)
Is the rate fixed or variable? Hills Bank offers a fixed rate or a variable rate HELOC. (view rates) Home Equity Loans have a fixed rate. (view rates)

 


Consumer Loans

Whether youíre looking to purchase or refinance a car, boat, RV, vacation, or other purpose, Hills Bank offers a full variety of consumer loans to meet your needs.

Advantages of choosing a consumer loan from Hills Bank: 

  • Easy application process in person or on the phone toll free at 1-800-445-5725 (1-800-HILLSBK)
  • Fast, local decision making
  • Flexible options including Certificate of Deposit secured loans
  • Competitive rates
  • No prepayment penalties
  • Automatic transfer and ACH payments available
  • Helpful and personalized attention
  • Credit protection for life and disability coverage available
  • Minimum loan amount is $1,000.00

When applying, bring along your most recent pay stub, social security number, date of birth, and residential and employment history for the last two years.


Visa Platinum Credit Cards

Hills Bank and Trust Company proudly offers Visa® Platinum Cards with all the benefits you deserve including personalized service and fast, local decision making. Learn more about the Visa®Platinum Credit Card and Visa® Platinum Rewards Credit Card below. 

To apply online complete an application for the Visa® Platinum Credit Card or Visa® Platinum Rewards Credit Card or call a Personal Banker toll free at 1-800-445-5725 (1-800-HILLSBK).

 

 
VISA PLATINUM
VISA PLATINUM REWARDS
Advantages Low introductory rate. Earn reward points for travel and merchandise and redeem online at ScoreCardRewards.com.
Making payments
Cash Advance 24-hour cash advance at over 160,000 Cirrus® ATMs. 24-hour cash advance at over 160,000 Cirrus® ATMs.
Annual Fee No (see agreement and terms) Yes (see agreement and terms)
If I need to increase my credit limit do I need to re-apply? Yes Yes

 


Credit Life and Disability Protection

Credit Life Protection

Itís important to have an adequate amount of life insurance to protect your home and family if you canít be there for them. If you pass away during the period of a loan, Credit Life Protection can pay off or reduce the insured balanced on your loan. When you apply for a loan, ask your Personal Banker about adding Credit Life Protection to your loan.

Credit Disability Protection

Credit Disability Protection takes over your loan payments (up to the contract limit) if you should become ill or disabled and under a doctor's care, and will continue to make payments until you return to work. When you apply for a loan ask about how adding this would affect your monthly payment. 

To learn more call a Personal Banker toll free at 1-800-445-5725 (1-800-HILLSBK) or stop by any Hills Bank location.


SAFE Act (NMLS) Listing of Lenders


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