Bank · FDIC insured
Hills Bank CD Rates
Hills Bank’s best CD rate is 0.70% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Hills Bank’s CD rates compare
Compared with banks and credit unions near Iowa City, IA, where Hills Bank has the most branches. $10,000, best rate first.
This bank’s best
Hills Bank
3.49%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $173
Certificate of Deposit (CD) Specials
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Veridian Credit Union
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $317
Hills Bank CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.70%
- QualifiedQualified3.49%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Hills Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD) Specials
Up to 3.49%APY · 5 terms
Rates applicable for the initial term only and will renew at next lower non-special standard term. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.45% | $114 |
| 4 monthsStandard pricing. Renews at next lower non-special standard term | 3.19% | $105 |
| 6 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.49% | $173 |
| 6 monthsStandard pricing. Renews at next lower non-special standard term | 3.24% | $161 |
| 11 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.39% | $310 |
| 11 monthsStandard pricing. Renews at next lower non-special standard term | 3.14% | $287 |
| 15 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.24% | $407 |
| 15 monthsStandard pricing. Renews at next lower non-special standard term | 2.98% | $374 |
| 20 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.19% | $537 |
| 20 monthsStandard pricing. Renews at next lower non-special standard term | 2.93% | $493 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Certificate of Deposit (CD) Standard Terms
Up to 0.70%APY · 9 terms
Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.20% | $10 |
| 12 months | 0.30% | $30 |
| 18 months | 0.40% | $60 |
| 24 months | 0.45% | $90 |
| 30 months | 0.50% | $125 |
| 36 months | 0.55% | $166 |
| 48 months | 0.60% | $242 |
| 60 months | 0.70% | $355 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Add-on CDs
0.50%APY · 1 term
Subsequent deposit minimum $100. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.50% | $100 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD Specials
Up to 3.49%APY · 5 terms
Rates applicable for the initial term only and will renew at next lower non-special standard term. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.45% | $114 |
| 4 monthsStandard pricing. Renews at next lower non-special standard term | 3.19% | $105 |
| 6 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.49% | $173 |
| 6 monthsStandard pricing. Renews at next lower non-special standard term | 3.24% | $161 |
| 11 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.39% | $310 |
| 11 monthsStandard pricing. Renews at next lower non-special standard term | 3.14% | $287 |
| 15 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.24% | $407 |
| 15 monthsStandard pricing. Renews at next lower non-special standard term | 2.98% | $374 |
| 20 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term | 3.19% | $537 |
| 20 monthsStandard pricing. Renews at next lower non-special standard term | 2.93% | $493 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
College Saver CD
Up to 1.30%APY · 2 terms
The first named account holder must be under the age of 21. Subsequent deposit minimum $25. Additions will not be allowed beginning with the renewal period after the first named depositor reaches the age of 21. Automatically renewable until age 21. Penalty for early withdrawal. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity | 1.15% | $231 |
| 24 monthsStandard pricing | 1.00% | $201 |
| 48 monthsRelationship pricing; requires active checking account with recurring deposits and or debit activity | 1.30% | $530 |
| 48 monthsStandard pricing | 1.14% | $464 |
Add-on IRAs
Up to 0.75%APY · 6 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownOpen/Floating Time account | 0.10% | $0 |
| 20 months | 0.45% | $75 |
| 24 months | 0.50% | $100 |
| 36 months | 0.60% | $181 |
| 48 months | 0.65% | $263 |
| 60 months | 0.75% | $381 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Individual Retirement Account (IRA) Standard Terms
Up to 0.70%APY · 9 terms
Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.20% | $10 |
| 12 months | 0.30% | $30 |
| 18 months | 0.40% | $60 |
| 24 months | 0.45% | $90 |
| 30 months | 0.50% | $125 |
| 36 months | 0.55% | $166 |
| 48 months | 0.60% | $242 |
| 60 months | 0.70% | $355 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.