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Certificates of Deposit & IRAs

High-yield savings accounts for your near and distant future.

Contact a Banker  about Certificates of Deposit & IRAs

CDs

You call the shots. Pick your term from Highland Bank’s range of fixed-rate certificates of deposit. We offer terms from 91 days to 60 months to fit your short-term and long-term savings needs.

  • Regular CD minimum opening deposit $1,000
  • FDIC-insured

IRA CD

It’s never too early, or too late, to set money aside for retirement in this high-yield savings account option.

  • IRA CD minimum opening deposit $500
  • FDIC-insured

IRA Money Market Savings

An IRA Money Market Savings account provides a reliable way to build or consolidate your retirement funds while keeping access to your money when you need it.

  • IRA Money Market minimum opening deposit $1000
  • FDIC-insured
View Rates  about IRA Money Market SavingsDownload the IRA Flyer  about IRA Money Market Savings

CD Rates

Effective as of 07 / 22 / 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NEW MONEY SPECIAL2 – 9 MONTH$2,500$2,500At maturity4.03%4.05%3 months interest on amount withdrawn
NEW MONEY SPECIAL2 – 17 MONTH$2,500$2,500Annually and at maturity4.04%4.05%8 months interest on amount withdrawn
NEW MONEY SPECIAL2 – 25 MONTH$2,500$2,500Annually and at maturity3.80%3.80%12 months interest on amount withdrawn
NEW MONEY SPECIAL2 – 40 MONTH$2,500$2,500Annually and at maturity3.80%3.80%20 months interest on amount withdrawn
SPECIAL3 – 9 MONTH$2,500$2,500At maturity3.88%3.90%3 months interest on amount withdrawn
SPECIAL3 – 17 MONTH$2,500$2,500Annually and at maturity3.89%3.90%8 months interest on amount withdrawn
SPECIAL3 – 25 MONTH$2,500$2,500Annually and at maturity3.65%3.65%12 months interest on amount withdrawn
SPECIAL3 – 40 MONTH$2,500$2,500Annually and at maturity3.65%3.65%20 months interest on amount withdrawn
91 DAY$1,000$500At maturity0.65%0.65%3 months interest on amount withdrawn
182 DAY$1,000$500At maturity1.25%1.25%3 months interest on amount withdrawn
12 MONTH$1,000$500Annually and at maturity1.40%1.40%6 months interest on amount withdrawn
18 MONTH$1,000$500Annually and at maturity1.40%1.40%9 months interest on amount withdrawn
24 MONTH$1,000$500Annually and at maturity1.45%1.45%12 months interest on amount withdrawn
36 MONTH$1,000$500Annually and at maturity1.45%1.45% 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 maturity1.30%1.30% 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 January 7, 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 January 7, 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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