Personal Savings

We have created a variety of savings account options to help you achieve your goals. Our experienced staff can assist you in choosing the one that best meets your needs.

Basic Savings

With a minimum opening deposit of only $50, this savings account is a great first step towards growing your savings.

With a minimum opening deposit of only $50, this savings account is a simple first step towards growing your savings.

  • $50 minimum opening deposit required
  • $200 minimum daily available balance to earn interest (1)
  • $50 minimum average monthly available balance to avoid monthly service charge
  • Interest compounded annually
  • 3 Telephone/Internet/pre-authorized withdrawals per month, $5 each additional (2)
  • Use our financial tools to determine savings goals and plan your financial future
  • ATM Card is not available

Statement Savings

A step up from Basic Savings, this account offers an ATM card and no minimum daily balance to earn interest.

A step up from Basic Savings, this account offers an ATM card and no minimum daily balance to earn interest.

  • $200 minimum opening deposit required
  • No minimum daily available balance to earn interest (1)
  • Minimum available daily balance of $200 to avoid monthly service charge
  • Interest compounded quarterly
  • 6 Telephone/Internet/pre-authorized withdrawals per month, $5 each additional (2)
  • $1 monthly fee for ATM card, without a Highland Bank checking account (3)
  • Use our financial tools to determine savings goals and plan your financial future

APPLY NOW

Money Market Savings

For more sophisticated savers, Money Market Savings offers monthly compounded interest.

  • $1,000 minimum opening deposit required
  • No minimum daily available balance to earn interest (1)
  • Minimum available daily balance of $1,000 to avoid a $10 monthly service charge
  • Interest compounded monthly
  • 6 Telephone/Internet/pre-authorized withdrawals per month, $5 each additional (2)
  • $1 monthly fee for ATM card, without a Highland Bank checking account (3)
  • Use our financial tools to determine savings goals and plan your financial future

APPLY NOW

Premier Money Market Savings

Our highest yield savings account features highly competitive interest rates.

Our highest yield savings account features highly competitive interest rates.

  • $10,000 minimum opening deposit required
  • Interest compounded monthly. (1) Interest paid on tiered balances:
    • $0 – $9,999.99
    • $10,000 – $24,999.99
    • $25,000 – $49,999.99
    • $50,000 – $99,999.99
    • $100,000 – $249,999
    • $250,000+
  • Minimum daily available balance of $10,000 to avoid a $15 monthly service charge
  • 6 Telephone/Internet/pre-authorized withdrawals per month (2)
  • Unlimited ATM, and in-person withdrawls (2)
  • $1 monthly fee for ATM card, without a Highland Bank checking account (3)
  • Use our financial tools to determine savings goals and plan your financial future

APPLY NOW

Apply Today

(1) The interest rate and annual percentage yield (APY) may change weekly at the Bank’s discretion. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash deposits (for example, checks deposited into your account).
(2) Federal Reserve Board Regulation D limits checks, telephone, online, overdraft and preauthorized transfers (including POS purchases and automatic transfers.) to six per statement period. Repeated excessive monthly withdrawals will lead to account closure.
(3) Foreign transaction fees and surcharges apply.

View a comparison chart of our Personal Savings Accounts (PDF)