Rates effective October 9, 2026 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 | 6.99% | $5.94 | $1,005.36 |
Disclosures
Lines have a closing cost of $500. In addition, if an appraisal is required, appraisals range between $400 and $650. Rate is based on a 740+ 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 09/04/2026.
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 | Annual Percentage Rate (APR) | Monthly Payment for $50,000 Borrowed | Final Balloon Payment at Maturity |
| 5.5 Years | 6.992% | $444.70 | $37,219.97 |
Disclosures
Lines have a closing cost of $500. In addition, if an appraisal is required, appraisals range between $400 and $650. Rate is based on a 740+ 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 09/04/2026.
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) |
| 2025-Newer | 72 | 6.75% |
| 2024-2021 | 60 | 7.25% |
| 2020-2018 | 48 | 7.75% |
| 2017-2006 | 36 | 9.50% |
Disclosures
Advertised as low as APRs (annual percentage rates) assume excellent borrower credit history (Beacon Score of 740 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 60-month, fixed-rate car loan for model years 2025-Newer would have 60 monthly payments of $688.92 each, at annual percentage rate (APR) of 6.75%.
Example: A $35,000.00 60-month, fixed rate car loan for model years 2024-2021 would have 60 monthly payments of $697.18 each, at annual percentage rate (APR) of 7.25%.
Example: A $35,000 48-month, fixed rate car loan for model years 2020-2018 would have 48 monthly payments of $850.35 each, at annual percentage rate (APR) of 7.75%.
Example: A $35,000.00 36-month fixed rate car loan for model years 2017-2006 would have 36 monthly payments of $1,121.15 each, at annual percentage rate (APR) of 9.50%.
Hills Bank is not responsible for typographical errors or omissions