Commercial Money Market

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Developed For: Businesses with moderate transaction volume and deposit balances.

At Highland Bank , we believe in rewarding your loyalty and commitment to the financial health of your business. How? With tiered interest rates that earn you more as your balance grows. Plus, you’ll avoid unnecessary fees when you maintain a minimum daily available balance of just $1,000.

Interest paid in tiers based on balance:

$0 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000+

Features & Benefits:

$1,000 opening deposit
Monthly combined savings and checking statement option
Interest compounded and paid monthly
No minimum balance to earn interest
$1,000 minimum daily available balance to avoid $10 monthly service charge

Commercial Savings Rates

Effective as of 07 / 01 / 2025


Account	MINIMUM BALANCE TO OPEN ¹	MINIMUM BALANCE TO EARN APY	COMPOUNDING & CREDITING FREQUENCY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
Commercial Statement Savings	$200	No Minimum	Quarterly	0.25%	0.25%
Commercial Money Market Savings	$1,000	No Minimum
under $25,000			Monthly	0.90%	0.90%
$25,000-$49,999.99			Monthly	1.00%	1.00%
$50,000-$99,999.99			Monthly	1.10%	1.11%
$100,000-$249,999			Monthly	1.25%	1.26%
$250,000 +			Monthly	1.65%	1.66%
Commercial Premier Money Market	$10,000	No Minimum	Monthly
under $50,000			Monthly	1.10%	1.11%
$50,000-$99,999.99			Monthly	1.30%	1.31%
$100,000-$249,999.99			Monthly	1.50%	1.51%
$250,000-$999,999			Monthly	1.65%	1.66%
$1,000,000-$2,499,999			Monthly	1.75%	1.76%
$2,500,000-$4,999,999			Monthly	1.80%	1.81%
$5,000,000+			Monthly	1.85%	1.87%

1 May not be minimum to avoid a service charge. The interest rate and Annual Percentage Yield (APY) may change weekly at the Bank’s discretion unless disclosed otherwise. We use the average daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the available balance in the account each day. Interest begins to accrue on the business day of deposit. Fees may reduce earnings.