Bank · FDIC insured
Hills Bank Savings Rates
Hills Bank’s best savings rate is 0.20% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Hills Bank’s savings 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
0.20%APY
- Minimum
- —
- Earns on $10,000 a year
- $20
Money Market
Top rate
Collins Community Credit Union
3.05%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
2nd-highest rate
Dupaco Community Credit Union
2.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $225
Hills Bank savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0002.55%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Purpose Money Market
Up to 3.45%APY
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.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $99,999 | 2.29% | — |
| $100,000 – $249,999 | 2.55% | — |
| $250,000 – $499,999 | 2.80% | — |
| $500,000 – $999,999 | 3.05% | — |
| $1,000,000 and up | 3.45% | — |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Investing In Our Community Money Market
0.00%APY
Limited time offer. Initial deposit of $15,000 or more and future deposits must be new money. New money refers to funds that are not currently held at Hills Bank. Accounts will convert to Gold Premier money market account on 1/2/27. See Gold Premier money market terms.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $14,999 | 0.00% | $0 |
| $15,000 – $99,999 | 1.36% | — |
| $100,000 – $249,999 | 1.51% | — |
| $250,000 – $499,999 | 1.66% | — |
| $500,000 – $999,999 | 1.92% | — |
| $1,000,000 and up | 2.12% | — |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Gold Premier Money Market
Up to 0.90%APY
$15,000 minimum to open. If balance falls below $15,000, no interest is earned for that day.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15,000 – $99,999 | 0.30% | — |
| $100,000 – $249,999 | 0.60% | — |
| $250,000 – $499,999 | 0.70% | — |
| $500,000 – $999,999 | 0.80% | — |
| $1,000,000 and up | 0.90% | — |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Gold Savings
0.05%APY
Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $24,999Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. | 0.05% | $5 | Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
| $25,000 – $49,999Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. | 0.10% | — | Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
| $50,000 – $99,999Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. | 0.15% | — | Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
| $100,000 – $249,999Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. | 0.20% | — | Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
| $250,000 – $499,999Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. | 0.25% | — | Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
| $500,000 and upGold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. | 0.30% | — | Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 16, 2026
Money Market
0.20%APY
If balance falls below $1,000, no interest is earned for that day.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,499 | 0.05% | — |
| $2,500 – $9,999 | 0.10% | — |
| $10,000 – $74,999 | 0.20% | $20 |
| $75,000 and up | 0.25% | — |
Sources (2)
All captured Oct 5, 2026
Employee Advantage
0.10%APY
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.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.00% | — |
| $1,000 and up | 0.10% | $10 |
Sources (1)
- hillsbank.com/personal/deposit-rates · captured Oct 5, 2026
Employee Advantage Savings
0.10%APY
A special savings option to go with UI Employee Advantage Checking Account. Limit of one UI Employee Advantage account type per individual. If direct deposit from the University of Iowa is discontinued, the account converts to Regular Savings. Free ATM transactions (non-Hills Bank ATM owner may surcharge). 0.25% consumer loan discount – one time use (not valid for home equity products). Six transfers or withdrawals per month by pre-authorized, automatic, Hills Bank Online, telephone, check, draft, debit card, or similar order to third parties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns variable interest. APY is based on monthly compounding. No service fee.Any balance | 0.10% | $10 | Earns variable interest. APY is based on monthly compounding. No service fee. |
Free Savings
0.10%APY
For customers seeking an easy, fee-free way to save. No monthly fee. No minimum opening deposit. No minimum balance requirement. ChexSystems reports may be pulled for new customers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rates may change after account is open. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.Any balance | 0.10% | $10 | Interest rates may change after account is open. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Go! Savings
0.10%APY
For former Penny Savers, or any kid 12 – 17 years of age. Semi-annual newsletter. At age 18, the account converts to Free Savings. Parent or legal guardian required to be an owner of account if primary account holder is under 18 years of age. Six transfers or withdrawals per month by pre-authorized, automatic, Hills Bank Online, telephone, check, draft, debit card, or similar order to third parties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns variable interest. APY is based on monthly compounding. No service fee.Any balance | 0.10% | $10 | Earns variable interest. APY is based on monthly compounding. No service fee. |
Penny Savers Savings
0.10%APY
Designed for kids 11 years of age and younger. ChexSystems reports may be pulled for new customers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rates may change after account is open. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.Any balance | 0.10% | $10 | Interest rates may change after account is open. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers. |
Sources (2)
All captured Oct 16, 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.