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Highland Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 6, 2026
Highland Bank's 12-Month CD rates are at 1.40%, 24-Month CD rates are at 1.25%, 36-Month CD rates are at 1.25%, 48-Month CD rates are at 1.25%, 60-Month CD rates are at 1.25%. Highland Bank's savings rates are at 1.66%. Highland Bank's money market rates are at 1.66%. Highland Bank's checking rates are as high as 5.00%. Highland Bank's top CD rate of 1.40% APY on a 12 month CD is 54% lower than the MonitorBankRates national average of 3.03% APY for that term, and it has a C+ health rating. MonitorBankRates evaluates the financial stability of Highland Bank with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.29%. Rates last updated and verified on 11/06/2026.
Highland Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Highland Bank? Share your experience about Highland Bank by leaving a review below, or read customer reviews before you decide to use Highland Bank.
Overall Health & Safety Grade
?
C+
Fair HealthScore: 77/100
Overall Health & Safety Grade
Highland Bank has earned an overall safety grade of C+ (Fair, Score: 77/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.1
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Highland Bank has earned a Star Rating of 4.1 out of 5 stars (Excellent).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
26.29%
GoodHigher than avg
Highland Bank Texas Ratio
Highland Bank's Texas Ratio is 26.29%, which is considered good and is higher than the national average of 5.85%.
While Highland Bank has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.01% to 26.29% over 12 quarters, worseningFull history
Star Rating 3.6 to 4.1, Health Grade B to C+
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Highland Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
SPECIAL - 13-MONTH
3.84%
3.85%
13 months
$2,500
Min Deposit$2,500
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 8 months interest on amount withdrawn; IRA minimum to open and obtain APY: $2,500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
SPECIAL - 7-MONTH
3.82%
3.85%
7 months
$2,500
Min Deposit$2,500
DetailsCompounding & crediting: At maturity; Early withdrawal penalty: 3 months interest on amount withdrawn; IRA minimum to open and obtain APY: $2,500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
SPECIAL - 25-MONTH
3.60%
3.60%
25 months
$2,500
Min Deposit$2,500
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 12 months interest on amount withdrawn; IRA minimum to open and obtain APY: $2,500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
SPECIAL - 40-MONTH
3.60%
3.60%
40 months
$2,500
Min Deposit$2,500
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 20 months interest on amount withdrawn; IRA minimum to open and obtain APY: $2,500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
12-Month CD
1.40%
1.40%
12 months
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 6 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
182 Day CD
1.25%
1.25%
182 days
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: At maturity; Early withdrawal penalty: 3 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
24-Month CD
1.25%
1.25%
24 months
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 12 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
36-Month CD
1.25%
1.25%
36 months
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 18 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
48-Month CD
1.25%
1.25%
48 months
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 24 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
60-Month CD
1.25%
1.25%
60 months
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 30 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
18-Month CD
1.15%
1.15%
18 months
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: Annually and at maturity; Early withdrawal penalty: 9 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 1.15% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
91 Day CD
0.65%
0.65%
91 days
$1,000
Min Deposit$1,000
DetailsCompounding & crediting: At maturity; Early withdrawal penalty: 3 months interest on amount withdrawn; IRA minimum to open and obtain APY: $500
Last Updated11/06/2026
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 5 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Highland Bank Savings Rates
Product
Rate
APY
View More
Premier Money Market Savings
1.65%
1.66%
Min Deposit$1,000
Min Balance$5,000,000
DetailsBalance: $5,000,000+; Compounding: Monthly
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 11 times
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Highland Bank Business Money Market Rates
Product
Rate
APY
View More
Commercial Premier Money Market
1.65%
1.66%
Min Deposit$10,000
Min Balance$5,000,000
DetailsBalance: $5,000,000+; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.66% APY · checked 8 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Premier Money Market
1.60%
1.61%
Min Deposit$10,000
Min Balance$2,500,000
DetailsBalance: $2,500,000-$4,999,999; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.61% APY · checked 8 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Premier Money Market
1.55%
1.56%
Min Deposit$10,000
Min Balance$1,000,000
DetailsBalance: $1,000,000-$2,499,999; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.56% APY · checked 8 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Money Market Savings
1.45%
1.46%
Min Deposit$1,000
Min Balance$250,000
DetailsBalance: $250,000 +; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.46% APY · checked 8 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Premier Money Market
1.45%
1.46%
Min Deposit$10,000
Min Balance$250,000
DetailsBalance: $250,000-$999,999; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 28, 2026 · 1.46% APY · checked 7 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Premier Money Market
1.30%
1.31%
Min Deposit$10,000
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 28, 2026 · 1.31% APY · checked 7 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Premier Money Market
1.10%
1.11%
Min Deposit$10,000
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 0.90% → 1.11% ▲ 0.21 pts · high 1.11% / low 0.90%
Sep 28, 20261.11%▲ from 0.90%
Sep 24, 20260.90%first recorded
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Money Market Savings
1.05%
1.06%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000-$249,999; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 28, 2026 · 1.06% APY · checked 7 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Money Market Savings
0.90%
0.90%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 28, 2026 · 0.90% APY · checked 7 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Premier Money Market
0.90%
0.90%
Min Deposit$10,000
DetailsBalance: under $50,000; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 8 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Money Market Savings
0.80%
0.80%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 0.70% → 0.80% ▲ 0.10 pts · high 0.80% / low 0.70%
Sep 28, 20260.80%▲ from 0.70%
Sep 24, 20260.70%first recorded
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Commercial Money Market Savings
0.70%
0.70%
Min Deposit$1,000
DetailsBalance: under $25,000; Compounding & Crediting Frequency: Monthly; Minimum Balance to Earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 8 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Highland Bank Checking Rates
Product
Rate
APY
View More
Kasasa Cash Checking
4.89%
5.00%
Min Deposit$100
Min Balance$0
DetailsQualifications Required; Balance: $0 - $10,000.00; Qualifying balance up to $10,000.00; Compounding: Monthly; Enrolled in e-statements is a condition of the account
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 11 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Non-Profit Checking
0.25%
0.25%
Min Balance$250,000
DetailsBalance: $250,000 +; Compounding: Monthly; Minimum balance to earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 4 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Non-Profit Checking
0.20%
0.20%
Min Balance$100,000
DetailsBalance: $100,000-$249,999; Compounding: Monthly; Minimum balance to earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 4 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Non-Profit Checking
0.15%
0.15%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Compounding: Monthly; Minimum balance to earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 0.15% APY · checked 4 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Interest Checking
0.10%
0.10%
Min Deposit$100
Min Balance$1,000
DetailsCompounding: Monthly
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Non-Profit Checking
0.10%
0.10%
Min Deposit$100
DetailsBalance: under $50,000; Compounding: Monthly; Minimum balance to earn APY: No Minimum
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 4 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Relationship Checking
0.10%
0.10%
Min Deposit$100
Min Balance$500
DetailsCompounding: Monthly
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
No change since Sep 14, 2026 · 3.00% APY · checked 11 times
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Kasasa Saver Savings
0.05%
-
0.05%
Min Deposit$100
DetailsAll balances if qualifications are not met; Compounding: Monthly
Last Updated11/06/2026
Rate History
1 change since Oct 8, 2026 · 0.01% → 0.05% ▲ 0.04 pts · high 0.05% / low 0.01%
Oct 22, 20260.05%▲ from 0.01%
Oct 8, 20260.01%first recorded
Institution Ratings
4.1
Star Rating
C+
Health Grade
◈ Texas Ratio: 26.29%
Financial Health History
Highland Bank’s Texas Ratio rose from 1.01% in Q3 2023 to 26.29% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 4.1 and its Health Grade from B to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$776M
26.29%
4.1
C+
March 31, 2026
$770M
12.35%
5.0
A
December 31, 2025
$766M
12.12%
5.0
A
September 30, 2025
$779M
19.56%
4.6
B
June 30, 2025
$778M
20.45%
4.6
B
March 31, 2025
$793M
0.99%
5.0
A+
December 31, 2024
$761M
1.98%
5.0
A+
September 30, 2024
$787M
0.21%
5.0
A+
June 30, 2024
$759M
0.25%
5.0
A+
March 31, 2024
$779M
0.16%
5.0
A+
December 31, 2023
$784M
0.49%
4.8
A+
September 30, 2023
$783M
1.01%
3.6
B
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Highland Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Highland Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Highland Bank's official website for the most current offers and terms.
Address
2100 Ford Pkwy,
Saint Paul, MN 55116 · Ramsey
Bank Holding CompanyHIGHLAND BANCSHARES INC
FDIC Certificate #16111
RegulatorFDIC
EstablishedDecember 28, 1943
FDIC Insurance DateJanuary 3, 1944
Domestic Offices8
Total Branches8
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.1 / 5.0 ★
Overall Health & Safety Grade
C+ (77/100)
Texas Ratio
26.29%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.0413%
Return on Equity (ROE)
0.5600%
Non-Performing Loans Ratio (NPL)
1.93%
Total Assets
$775,919,000
Total Deposits
$684,378,000
Equity Capital
$57,100,000
Net Income
$159,000
Headquarters
Saint Paul
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Highland Bank
Does Highland Bank offer CDs?
Yes. Highland Bank current CD rates include its 12-Month CD at 1.40% APY, its 24-Month CD at 1.25% APY and its 36-Month CD at 1.25% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Highland Bank FDIC insured?
Yes. Highland Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Highland Bank?
The highest Highland Bank CD rate is its SPECIAL - 13-Month CD at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Highland Bank offer?
Highland Bank CD rates are 1.40% APY for a 12 month CD, 1.15% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.25% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Highland Bank for its full lineup.
What is the highest savings rate at Highland Bank?
The highest Highland Bank savings rate is its Statement Savings at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Highland Bank?
The highest Highland Bank money market rate is its Premier Money Market Savings at 1.66% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Highland Bank?
The highest Highland Bank checking rate is its Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of November 6, 2026.
How many branches does Highland Bank operate?
Highland Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Highland Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Highland Bank provides members with tools to manage their accounts and build a solid financial history.
Does Highland Bank offer online and mobile banking?
Most modern institutions like Highland Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.highlandbanks.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Highland Bank rates compare?
Highland Bank's top CD rate of 1.40% APY on a 12 month CD is 54% lower than the MonitorBankRates national average of 3.03% APY for that term, and it has a C+ health rating. Highland Bank's top rates are its 13-Months SPECIAL - 13-Month CD at 3.85% APY, its Premier Money Market Savings at 1.66% APY, its Commercial Premier Money Market at 1.66% APY and its Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates on November 6, 2026.
Current Highland Bank Rates
12-Month CD1.40%
18-Month CD1.15%
24-Month CD1.25%
36-Month CD1.25%
48-Month CD1.25%
60-Month CD1.25%
Savings1.66%
MMA1.66%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
