*Annual Percentage Yield (APY) is accurate as of August 15, 2023. Offer subject to change without notice. Minimum balance of $2,500 needed to open with a minimum of 50% new funds not on deposit for prior 90 days with Highland Bank needed to obtain APY. No maximum deposit limit. No public or institutional funds. Penalty for early withdrawal. Automatically renewable at closest regular term; 182 days, 12, 24, or 36 month 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 average daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the average daily balance in the account each day. Fees may reduce earnings. IRA accounts are eligible for CD special rates.