Hills Bank and Trust Company rates: up to 3.50% APY
bank · FDIC CERT 14650 · www.hillsbank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Free, GO! and Penny Savers Savings | $0 & over | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $0 & over | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $10,000 - $24,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $25,000 - $49,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $50,000 - $99,999 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $100,000 - $249,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $250,000 - $499,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Savings | $500,000 & over | 0.30% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 3 month | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit / Individual Retirement Account Specials | 4 month special | 3.19% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 month | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit / Individual Retirement Account Specials | 6 month special | 3.24% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit / Individual Retirement Account Specials | 11 month special | 3.14% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 month | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit / Individual Retirement Account Specials | 15 month special | 2.98% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 month | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit / Individual Retirement Account Specials | 20 month special | 2.93% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CD | 20 month | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Add-on CDs | 24 month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 month | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CD | 24 month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CDs | 24 month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 30 month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36 month | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CD | 36 month | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48 month | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CD | 48 month | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CDs | 48 month | 1.14% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 month | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| College Saver CD | 60 month | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Gold Premier Money Market | $15,000 - $99,999 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Premier Money Market | $100,000 - $249,999 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Premier Money Market | $250,000 - $499,999 | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Premier Money Market | $500,000 - $999,999 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Premier Money Market | $1,000,000 & over | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $0 - $14,999 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $1,000 - $2,499 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $2,500 - $9,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $10,000 - $74,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $15,000 - $99,999 | 1.36% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $75,000 & over | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $100,000 - $249,999 | 1.51% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $250,000 - $499,999 | 1.66% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $500,000 - $999,999 | 1.92% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $1,000,000 & over | 2.12% | APY | 2026-11-01 | since 2026-11-01 | |
| Purpose Money Market | $25,000 - $99,999 | 2.29% | APY | 2026-11-01 | since 2026-11-01 | |
| Purpose Money Market | $100,000 - $249,999 | 2.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Purpose Money Market | $250,000 - $499,999 | 2.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Purpose Money Market | $500,000 - $999,999 | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Purpose Money Market | $1,000,000 & over | 3.45% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Interest Checking | $0 - $25,000 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Checking | $0 & over | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Checking | $25,001 & over | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| UI Employee Advantage, Gold, and Friends Club Checking | $0 - 999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| UI Employee Advantage, Gold, and Friends Club Checking | $1,000 - $9,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| UI Employee Advantage, Gold, and Friends Club Checking | $10,000 & over | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.hillsbank.com/personal/deposit-rates | 2026-11-01 14:52 UTC | ok | 888740ad0a77 |
| www.hillsbank.com/personal/savings | — | extract-failed | |
| www.hillsbank.com/personal/cd | — | extract-failed |