Hills Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
North Liberty Branch	Highway 965 And Zeller Street, North Liberty, IA 52317	View Lobby Hours
Marion Branch	800 Eleventh Street, Marion, IA 52302	View Lobby Hours
Mount Vernon Branch	720 First Avenue, Mount Vernon, IA 52314	View Lobby Hours
North Liberty Branch	590 West Forevergreen Road, North Liberty, IA 52317	View Lobby Hours
Blairs Ferry Road Branch	3905 Blairs Ferry Road N.E., Cedar Rapids, IA 52402	View Lobby Hours
Southwest Cr Branch	3610 Williams Boulevard, Sw, Cedar Rapids, IA 52404	View Lobby Hours
Eastside Branch	2621 Muscatine Avenue, Iowa City, IA 52240	View Lobby Hours
Downtown Branch Cr	240 Third Avenue, S.E., Cedar Rapids, IA 52401	View Lobby Hours
Wellman Branch	229 8th Avenue, Wellman, IA 52356	View Lobby Hours
Old Capitol Mall	201 South Clinton Street, Iowa City, IA 52240	View Lobby Hours
University Of Iowa Hospitals And Cli	200 Hawkins Drive, Iowa City, IA 52242	View Lobby Hours
Gilbert Street Branch	1401 South Gilbert Street, Iowa City, IA 52240	View Lobby Hours
Hills Bank And Trust Company	131 Main Street, Hills, IA 52235	View Lobby Hours
Kalona Branch	120 Fifth Street, Kalona, IA 52247	View Lobby Hours
Iowa Memorial Union Branch	125 North Madison Street, Iowa City, IA 52245	View Lobby Hours
Lisbon Branch	103 West Main Street, Lisbon, IA 52253	View Lobby Hours
Coralville Branch	1009 Second Street, Coralville, IA 52241	View Lobby Hours
Oaknoll Retirement Center	701 Oaknoll Drive, Iowa City, IA 52246	View Lobby Hours
Washington Branch	2481 Highway 92 West, Washington, IA 52353	View Lobby Hours
Marion Eastside Office Branch	3204 7th Avenue, Marion, IA 52302	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.971%	5.875% 0.38 points $3,317 fees	$1,893	Learn More
NMLS ID: 399799	6.122%	6.000% 1.00 points $4,358 fees	$1,919	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

Hills Bank and Trust Company - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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