Hills Bank has many business accounts to fit your business banking needs.
To open a business account, visit any Hills Bank location to speak with a Treasury Management Representative.
Rates effective March 13, 2026 and subject to change at any time without notice.
Current Earnings Credit Rate: 0.30%
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Certificate of Deposit (CD) Rates
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Specials
Standard Annual Percentage Yield (APY)
Standard Interest Rate
*Relationship Pricing Annual Percentage Yield (APY)
*Relationship Pricing Interest Rate
4 month special
3.19%
3.15%
3.45%
3.41%
6 month special
3.24%
3.20%
3.49%
3.45%
11 month special
3.14%
3.10%
3.39%
3.35%
15 month special
2.98%
2.95%
3.24%
3.20%
20 month special
2.93%
2.90%
3.19%
3.15%
$500 minimum to open and obtain APY unless otherwise stated. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. CD specials rates are applicable for the initial term only and will renew at next lower non-special standard term.
*Must have an active checking account with recurring deposits and or debit activity to obtain relationship pricing. Relationship pricing applies only to the 4 month special, 6 month special, 11 month special, 15 month special, 20 month special, and College Saver CD’s. CDARS Certificates of Deposit Accounts do not qualify for relationship pricing.
Certificate of Deposit (CD) / Individual Retirement Account (IRA)
Standard Terms
Standard Annual Percentage Yield (APY)
Standard Interest Rate
3 month
0.10%
0.10%
6 month
0.20%
0.20%
12 month
0.30%
0.30%
18 month
0.40%
0.40%
24 month
0.45%
0.45%
30 month
0.50%
0.50%
36 month
0.55%
0.55%
48 month
0.60%
0.60%
60 month
0.70%
0.70%
$500 minimum to open and obtain APY unless otherwise stated. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding.
Add-on CDs
Standard Annual Percentage Yield (APY)
Standard Interest Rate
24 month
0.50%
0.50%
$500 minimum to open and obtain APY. Subsequent deposit minimum $100. Penalty for early withdrawal.
*Must have an active checking account with recurring deposits and or debit activity to obtain relationship pricing. Relationship pricing applies only to the 6 month special, 11 month special, 15 month special, 20 month special, and College Saver CD’s. CDARS Certificates of Deposit Accounts do not qualify for relationship pricing.
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Checking Accounts
Business Interest Checking
Annual Percentage Yield (APY)
Interest Rate
$2,500 - $14,999 0.05%
0.05%
$15,000 - $49,999 0.05%
0.05%
$50,000 - $99,999 0.10%
0.10%
$100,000 - $499,999 0.10%
0.10%
$500,000 & over 0.10%
0.10%
If balance is less than $2,500 no interest is earned for that day.
Non-Profit Interest Checking
Annual Percentage Yield (APY)
Interest Rate
$0 - 999 0.05%
0.05%
$1,000 - $9,999 0.05%
0.05%
$10,000 - $49,999 0.05%
0.05%
$50,000 - $99,999 0.10%
0.10%
$100,000 & over 0.10%
0.10%
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Money Market Accounts
Purpose Money Market
Annual Percentage Yield (APY)
Interest Rate
$25,000 - $99,999 2.29%
2.27%
$100,000 - $249,999 2.55%
2.52%
$250,000 - $499,999 2.80%
2.76%
$500,000 - $999,999 3.05%
3.01%
$1,000,000 & over 3.45%
3.40%
Limited time offer. Minimum $25,000 to open. Must have $25,000 new money and/or an active checking account with recurring deposits and/or debit card activity. Matured Hills Bank Certificates of Deposit can be deposited into this account and will qualify as new money. Limit one promotional account per customer. No public funds. The Bank reserves the right to deny deposit accounts over $5,000,000.
Gold Premier Money Market
Annual Percentage Yield (APY)
Interest Rate
$15,000 - $99,999 0.30%
0.30%
$100,000 - $249,999 0.60%
0.60%
$250,000 - $499,999 0.70%
0.70%
$500,000 - $999,999 0.80%
0.80%
$1,000,000 & over 0.90%
0.90%
$15,000 minimum to open. If balance falls below $15,000, no interest is earned for that day.
Business Money Market
Annual Percentage Yield (APY)
Interest Rate
$1,000 - $2,499 0.05%
0.05%
$2,500 - $9,999 0.10%
0.10%
$10,000 - $74,999 0.20%
0.20%
$75,000 & over 0.25%
0.25%
If balance falls below $1,000, no interest is earned for that day.
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Savings Accounts
Business Savings
Annual Percentage Yield (APY)
Interest Rate
$0 & over 0.10%
0.10%
Gold Savings
Annual Percentage Yield (APY)
Interest Rate
$10,000 - $24,999 0.05%
0.05%
$25,000 - $49,999 0.10%
0.10%
$50,000 - $99,999 0.15%
0.15%
$100,000 - $249,999 0.20%
0.20%
$250,000 - $499,999 0.25%
0.25%
$500,000 & over 0.30%
0.30%
$10,000 minimum to open. If balance falls below $10,000, no interest is earned for that day.
Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. ChexSystems reports may be pulled for new customers.
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ICS / IntraFi
ICS (Intrafi Cash Service)
ICS DDA Annual Percentage Yield (APY)
Interest Rate
Under $15,000 0.05%
0.05%
$15,000 - $49,999 0.05%
0.05%
$50,000 - $99,999 0.10%
0.10%
$100,000 - $249,999 0.10%
0.10%
$250,000 - $499,999 0.10%
0.10%
$500,000 & over 0.10%
0.10%
Minimum of $250,000 should be maintained in a Hills Bank account. Excess funds over an established threshold are swept daily into an interest bearing account. Funds in the interest bearing account are FDIC insured through a 3rd party institution.