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

19 Month - CD Special Rate Offer

Maximize your ROI and take advantage of our limited time 19 Month CD offer.


Effective: June 12, 2018

SAVINGS CERTIFICATES COMPOUNDING & CREDITING FREQUENCY INTEREST RATE ANNUAL PERCENTAGE YIELD EARLY WITHDRAWAL PENALTY
19 MONTH ANNUALLY & AT MATURITY 2.00% 2.00%

Half the interest payable on the full term on the amount withdrawn

Annual Percentage Yield (APY) is accurate as of May 31, 2018 and available through June 30, 2018. $5,000 minimum balance needed to obtain APY. Maximum deposit of $250,000.  Accounts must be established with a minimum of 50% new funds not currently on deposit with Highland Bank.  Penalty for early withdrawal.  Automatically renewable at closest regular term and APY.  Interest paid annually and at maturity. 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 daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the available principal in the account each day. Fees may reduce earnings.

26 Month - CD Special Rate Offer

Guaranteed fixed rate of return without a long-term commitment.

Effective: June 19, 2018

SAVINGS CERTIFICATES COMPOUNDING & CREDITING FREQUENCY INTEREST RATE ANNUAL PERCENTAGE YIELD EARLY WITHDRAWAL PENALTY
26 MONTH ANNUALLY & AT MATURITY 1.00% 1.00%.

Half the interest payable on the full term on the amount withdrawn

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 daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the available principal in the account each day. Fees may reduce earnings.

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: June 19, 2018

SAVINGS CERTIFICATES COMPOUNDING & CREDITING FREQUENCY INTEREST RATE ANNUAL PERCENTAGE YIELD EARLY WITHDRAWAL PENALTY
 91 DAY MATURITY  0.15%   0.15%

3 Months interest on amount withdrawn

 182 DAY MATURITY  0.20%   0.20%

3 Months interest on amount withdrawn

12 MONTH ANNUALLY  0.40%   0.40%

Half the interest payable on the full term on the amount withdrawn

18 MONTH ANNUALLY & AT MATURITY  0.65%   0.65%

Half the interest payable on the full term on the amount withdrawn

24 MONTH ANNUALLY  0.70%   0.70%

Half the interest payable on the full term on the amount withdrawn

36 MONTH ANNUALLY  0.80%   0.80%

Half the interest payable on the full term on the amount withdrawn

48 MONTH ANNUALLY  1.00%   1.00%

Half the interest payable on the full term on the amount withdrawn

60 MONTH ANNUALLY  1.35%   1.35%

Half the interest payable on the full term on the 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 daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the available principal in the account each day. Fees may reduce earnings.


Questions?

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