Hills Bank And Trust Company credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Hills Bank And Trust Company reported a surveyed purchase APR of 11.75% – 15.75% (median 13.75%) to the CFPB Terms of Credit Card Plans survey, across 1 product. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Hills Bank And Trust Company surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 11.75% – 15.75% |
| Median purchase APR | 13.75% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 17.75% |
| Annual fee | — |
| Late fee (median) | $27 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Hills Bank And Trust Company did not report that field in the survey.
Hills Bank And Trust Company purchase APR by credit tier
Median purchase APR Hills Bank And Trust Company reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 13.75% |
| Great credit (720+) | 11.75% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Hills Bank And Trust Company compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Hills Bank And Trust Company's median of 13.75% sits around or below the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Hills Bank And Trust Company (this issuer) | 11.75% – 15.75% | 13.75% | — |
| State Bank And Trust Company, The | 6.99% – 21.99% | 13.99% | — |
| Tlcu Financial | 10% – 21% | 13% | — |
| United Bank | 5.99% – 21.49% | 15.49% | — |
| Solvay Bank | 15.88% | 15.88% | — |
| Jonah Bank Of Wyoming | 16.25% | 16.25% | $50 |
| Sabine State Bank And Trust Company | 16.8% | 16.8% | $12 |
State Bank And Trust Company, The · Tlcu Financial · United Bank · Solvay Bank · Jonah Bank Of Wyoming · Sabine State Bank And Trust Company
Frequently asked questions
What is Hills Bank And Trust Company's credit card APR?
Hills Bank And Trust Company reported a purchase APR of 11.75% – 15.75% to the CFPB Terms of Credit Card Plans survey (median 13.75%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Hills Bank And Trust Company charge an annual fee?
Hills Bank And Trust Company did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Hills Bank And Trust Company a good choice for a low APR?
Hills Bank And Trust Company's surveyed range is 11.75% – 15.75%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by Hills Bank And Trust Company (Hills Bank And Trust Company) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29