Certificates of Deposit

Ensure Your Money Works Hard for You

Pick the term that best fits your savings goals. For customers with long-term savings needs, Highland Bank offers fixed-rate Certificates of Deposit with terms between 91 days to 60 months:*

  • Minimum opening deposit of $1000 (for regular CDs)
  • Minimum opening deposit of $500 (for IRA CDs)
  • FDIC insured
  • CD Terms Ranging from 91 days to 60 months

Contact a Banker

Open a Highland Bank Certificate of Deposit Today

View Our Standard CD Rates

Competitive rates, a range of terms, and flex options make our CDs a great choice for savers who want to earn interest.

Effective: January 21, 2020

SAVINGS CERTIFICATES COMPOUNDING & CREDITING FREQUENCY INTEREST RATE ANNUAL PERCENTAGE YIELD EARLY WITHDRAWAL PENALTY
 91 DAY MATURITY  0.30%   0.30%

3 Months interest on amount withdrawn

 182 DAY MATURITY  0.40%   0.40%

3 Months interest on amount withdrawn

12 MONTH ANNUALLY  0.60%   0.60%

6 Months interest on amount withdrawn

18 MONTH ANNUALLY  0.75%   0.75%

9 Months interest on amount withdrawn

24 MONTH ANNUALLY  0.70%   0.70%

12 Months interest on amount withdrawn

36 MONTH ANNUALLY  0.80%   0.80%

18 Months interest on amount withdrawn

48 MONTH ANNUALLY  0.95%   0.95%

24 Months interest on amount withdrawn

60 MONTH ANNUALLY  1.20%   1.20%

30 Months interest on amount withdrawn

The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees may reduce earnings.


Questions?

Call Customer Service: 952-858-4888 or toll-free 1-877-457-1305, or email us at Customer Service.