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Certificates of Deposit

Set it and forget it – enhance your business savings with a high, fixed return and your choice of terms.

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Created to adapt to ever-changing business needs, Highland Bank CDs offer terms from 91 days to 60 months. An easy way to fulfill your long-term savings goals.

  • Minimum opening deposit of $1,000 for standard CDs
  • FDIC-insured

CD Rates

Effective as of 10 / 28 / 2025

AccountMINIMUM BALANCE TO OPEN AND OBTAIN APY – REGULARMINIMUM BALANCE TO OPEN AND OBTAIN APY – IRACOMPOUNDING & CREDITING FREQUENCYINTEREST RATEANNUAL PERCENTAGE YIELDEARLY WITHDRAWAL PENALTY
NEW MONEY SPECIAL2 – 7 MONTH$2,500$2,500At maturity3.92%3.95%3 months interest on amount withdrawn
NEW MONEY SPECIAL2 – 13 MONTH$2,500$2,500Annually and at maturity3.94%3.95%8 months interest on amount withdrawn
NEW MONEY SPECIAL2 – 25 MONTH$2,500$2,500Annually and at maturity3.70%3.70%12 months interest on amount withdrawn
NEW MONEY SPECIAL2 – 40 MONTH$2,500$2,500Annually and at maturity3.70%3.70%20 months interest on amount withdrawn
SPECIAL3 – 7 MONTH$2,500$2,500At maturity3.77%3.80%3 months interest on amount withdrawn
SPECIAL3 – 13 MONTH$2,500$2,500Annually and at maturity3.79%3.80%8 months interest on amount withdrawn
SPECIAL3 – 25 MONTH$2,500$2,500Annually and at maturity3.55%3.55%12 months interest on amount withdrawn
SPECIAL3 – 40 MONTH$2,500$2,500Annually and at maturity3.55%3.55%20 months interest on amount withdrawn
91 DAY$1,000$500At maturity0.65%0.65%3 months interest on amount withdrawn
182 DAY$1,000$500At maturity1.25%1.25%3 months interest on amount withdrawn
12 MONTH$1,000$500Annually and at maturity1.40%1.40%6 months interest on amount withdrawn
18 MONTH$1,000$500Annually and at maturity1.15%1.15%9 months interest on amount withdrawn
24 MONTH$1,000$500Annually and at maturity1.25%1.25%12 months interest on amount withdrawn
36 MONTH$1,000$500Annually and at maturity1.25%1.25% 18 months interest on amount withdrawn
48 MONTH$1,000$500Annually and at maturity1.25%1.25% 24 months interest on amount withdrawn
60 MONTH$1,000$500Annually and at maturity1.250%1.25% 30 months interest on amount withdrawn
1 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. 2 Annual Percentage Yield (APY) is accurate as of October 28, 2025. 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 day, 12 month, 24 month, 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. 3 Annual Percentage Yield (APY) is accurate as of October 28, 2025. Offer subject to change without notice. Minimum balance of $2,500 needed to open to obtain APY. No maximum deposit limit. No public or institutional funds. Penalty for early withdrawal. Automatically renewable at closest regular term; 182 day, 12 month, 24 month, 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.

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