What are the current interest rates at Highland Bank?

Current rates for Highland Bank include: 12-Month CD: 1.40%, 18-Month CD: 1.15%, 24-Month CD: 1.25%, 36-Month CD: 1.25%, 48-Month CD: 1.25%, 60-Month CD: 1.25%, Savings: 1.66%, MMA: 1.66%

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Highland Bank Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Highland Bank's top rates as of October 12, 2026 are 3.85% APY on its SPECIAL - 13-Month CD, 1.66% APY on savings, 1.66% APY on money market accounts, and 0.25% APY on checking, according to rates verified by MonitorBankRates. Other Highland Bank CD rates include SPECIAL - 7-Month at 3.85%, SPECIAL - 25-Month at 3.60%, and SPECIAL - 40-Month at 3.60%. 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 10/12/2026.

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 Health Score: 77/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

26.29%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Highland Bank

2100 Ford Pkwy
Saint Paul, MN 55116

https://www.highlandbanks.com

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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
SPECIAL - 13 MONTH	3.84%	3.85%
Min Balance $2,500 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 8 months interest on amount withdrawn Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 8, 20263.85%▲ from 3.70% Sep 24, 20263.70%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
SPECIAL - 7 MONTH	3.82%	3.85%
Min Balance $2,500 Details Compounding & Crediting Frequency: At maturity; Early Withdrawal Penalty: 3 months interest on amount withdrawn Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 8, 20263.85%▲ from 3.70% Sep 24, 20263.70%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
SPECIAL - 25 MONTH	3.60%	3.60%
Min Balance $2,500 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 12 months interest on amount withdrawn Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 8, 20263.60%▲ from 3.45% Sep 24, 20263.45%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
SPECIAL - 40 MONTH	3.60%	3.60%
Min Balance $2,500 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 20 months interest on amount withdrawn Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 8, 20263.60%▲ from 3.45% Sep 24, 20263.45%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
12 Month Certificate	1.40%	1.40%	12 months
Min Balance $1,000 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 6 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
182 Day Certificate	1.25%	1.25%	182 days
Min Balance $1,000 Details Compounding & Crediting Frequency: At maturity; Early Withdrawal Penalty: 3 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
24 Month Certificate	1.25%	1.25%	24 months
Min Balance $1,000 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 12 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
36 Month Certificate	1.25%	1.25%	36 months
Min Balance $1,000 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 18 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
48 Month Certificate	1.25%	1.25%	48 months
Min Balance $1,000 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 24 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
60 Month Certificate	1.25%	1.25%	60 months
Min Balance $1,000 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 30 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
18 Month Certificate	1.15%	1.15%	18 months
Min Balance $1,000 Details Compounding & Crediting Frequency: Annually and at maturity; Early Withdrawal Penalty: 9 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
91 Day Certificate	0.65%	0.65%	91 days
Min Balance $1,000 Details Compounding & Crediting Frequency: At maturity; Early Withdrawal Penalty: 3 months interest on amount withdrawn Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Savings Rates

Product	Rate	APY
Premier Money Market Savings	1.65%	1.66%
Min Deposit $1,000 Min Balance $5,000,000 Details Balance: $5,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.60%	1.61%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: $2,500,000 - $4,999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.55%	1.56%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.45%	1.46%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.30%	1.31%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	1.30%	1.30%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	1.15%	1.15%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.05%	1.06%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Money Market Savings	0.75%	0.75%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	0.70%	0.70%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Money Market Savings	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Balance: Under $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.40%	0.40%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.15%	0.15%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Statement Savings	0.10%	0.10%
Min Deposit $200 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Business Savings Rates

Product	Rate	APY
Commercial Money Market Savings	1.45%	1.46%
Min Deposit $1,000 Details Balance: $250,000 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 3 times 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 Details Balance: $100,000-$249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 3 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 Details Balance: $50,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 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 Details Balance: $25,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 3 times 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 Details Balance: under $25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Money Market Rates

Product	Rate	APY
Premier Money Market Savings	1.65%	1.66%
Min Deposit $1,000 Min Balance $5,000,000 Details Balance: $5,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.60%	1.61%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: $2,500,000 - $4,999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.55%	1.56%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.45%	1.46%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.30%	1.31%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	1.30%	1.30%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	1.15%	1.15%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	1.05%	1.06%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Money Market Savings	0.75%	0.75%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Premier Money Market Savings	0.70%	0.70%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Money Market Savings	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Balance: Under $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.40%	0.40%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.15%	0.15%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
IRA Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Business Money Market Rates

Product	Rate	APY
Commercial Premier Money Market	1.65%	1.66%
Min Deposit $10,000 Details Balance: $5,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 3 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 Details Balance: $2,500,000-$4,999,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 3 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 Details Balance: $1,000,000-$2,499,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 3 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 Details Balance: $250,000 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 3 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 Details Balance: $250,000-$999,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 3 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 Details Balance: $100,000-$249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 3 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 Details Balance: $50,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 3 times 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 Details Balance: $100,000-$249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 3 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 Details Balance: $50,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 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 Details Balance: under $50,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 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 Details Balance: $25,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 3 times 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 Details Balance: under $25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Checking Rates

Product	Rate	APY
Interest Checking	0.10%	0.10%
Min Deposit $100 Min Balance $1,000 Details Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 Details Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Business Checking Rates

Product	Rate	APY
Business Non-Profit Checking	0.25%	0.25%
Min Deposit $100 Details Balance: $250,000 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Business Non-Profit Checking	0.20%	0.20%
Min Deposit $100 Details Balance: $100,000-$249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Business Non-Profit Checking	0.15%	0.15%
Min Deposit $100 Details Balance: $50,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Business Non-Profit Checking	0.10%	0.10%
Min Deposit $100 Details Balance: under $50,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Highland Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	4.89%	-	5.00%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $10,000.00; Qualifications Required; Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details If qualifications are not met; Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 0.05% ▼ 4.95 pts · high 5.00% / low 0.05% Oct 8, 20260.05%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Kasasa Cash Checking	0.01%	-	0.01%
Details If qualifications are not met, interest rate/yield will revert to .01% on all balances. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.01% ▼ 0.04 pts · high 0.05% / low 0.01% Oct 8, 20260.01%▼ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Kasasa Saver Savings	2.96%	-	3.00%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $100,00.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Kasasa Saver Savings	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details All balances if qualifications are not met Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%
Kasasa Saver Savings	0.01%	-	0.01%
Details If qualifications are not met, interest rate/yield will revert to .01% on all balances. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.01% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

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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.

Bank Profile & Overview

Institution Name Highland Bank

Bank Holding Company HIGHLAND BANCSHARES INC

Address 2100 Ford Pkwy, Saint Paul, MN 55116 · Ramsey

Website https://www.highlandbanks.com

FDIC Certificate # 16111

Established 19431228

FDIC Insurance Date 19440103

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 77/100

4.1

Excellent Out of 5.0 Stars

26.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.0413%

Return on Equity (ROE) 0.5600%

Non-Performing Loans (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 06/30/2026

Customer Reviews

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Frequently Asked Questions About Highland Bank

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.

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.

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Highland Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Highland Bank Texas Ratio

Highland Bank Health Trend

Highland Bank CD Rates

Highland Bank Savings Rates

Highland Bank Business Savings Rates

Highland Bank Money Market Rates

Highland Bank Business Money Market Rates

Highland Bank Checking Rates

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Highland Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Customer Reviews

Frequently Asked Questions About Highland Bank

How many branches does Highland Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Highland Bank offer online and mobile banking?

Current Highland Bank Rates

Compare to Other Banks