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  • CDs & IRAs

    Certificates of Deposit and Individual Retirement Accounts

  • CDs

    Certificates of Deposit (CDs) 

    With competitive rates and a variety of short- and long-term certificates of deposit (CDs) to choose from, our CDs are a great way to grow your funds no matter your timeframe.  

    Because our customers are our most valuable asset, we reward those who use their Hills Bank checking account as their primary checking account with a better interest rate on their CDs* . Ask a banker about relationship pricing benefits to learn more!    

    What will you need to open a CD?  

    View our Account Opening Checklist.

    Want to apply for a CD? Get in touch with us.

  • IRAs

    Individual Retirement Accounts (IRAs) 

    Whether you’re starting a new IRA, contributing to an existing IRA, or moving IRA funds from an employer plan or another financial institution, our bankers are ready to assist you.  Simply call us at 1-800-445-5725 (1-800-HILLBK) or visit any Hills Bank location – we’ll be glad to answer your questions. 

    Learn more about our retirement planning options.

    Connect with a Banker

  • SEP / Simple IRA

    SEP / SIMPLE IRA

    A Simplified Employee Pension plan (SEP) and a SIMPLE IRA plan are IRA-based plans that give small employers a simplified method to make contributions toward their employees' and their own retirement.  To learn more speak to someone in our IRA department.

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*Checking accounts with a recurring direct deposit from an income source (payroll; retirement; social security; disability) qualify as being a primary checking account eligible for relationship pricing. If there is no recurring direct deposit from an income source into the checking account, bankers determine eligibility upon their review of account activity, including deposit frequency. 

 

We also offer these additional CD products:

College Saver CD

College Saver CD

Saving for college is easier than ever with our CollegeSaver CD.

CollegeSaver CD 

It can be opened for your child or grandchild with a term of two or four years for only $100. You can make additional deposits into the CD as often as you like, with as little as $25. 

A CollegeSaver CD carries your scholar’s name and social security number and is automatically renewable until age 21. 

View rates and open your CollegeSaver CD at any Hills Bank location, call 1-800-445-5725 (1-800-HILLSBK), or connect with a digital banker through our chat below or in Hills Bank Online. 

Coverdell Education Savings Account

Coverdell Education Savings Account (CESA)

Start your child’s college fund with a variety of stocks, bonds, or funds. 

Coverdell Education Savings Account (CESA)  

Start your child’s college fund with a variety of stocks, bonds, or funds.  A CESA allows you to save for higher education, and withdrawals are tax-free when used for qualifying education expenses. Consult your tax advisor for specific tax-savings information. 

  • $100 minimum to open 
  • Fixed rate certificate of deposit – several options available 
  • Additions of $25 or more permitted 

For more information about Coverdell Education Savings Accounts, visit any Hills Bank location, call 1-800-445-5725 (1-800-HILLSBK), or connect with a digital banker through our chat bubble on hillsbank.com or online banking. 

CDARS

IntraFi Network Deposits

IntraFi allows you full FDIC insurance on multi-million-dollar deposits through one single bank. Connect with one of our bankers to learn more!

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