Bank · FDIC insured
Highland Bank CD Rates
Highland Bank’s best CD rate is 4.00% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Highland Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Highland Bank has the most branches. $10,000, best rate first.
This bank’s best
Highland Bank
4.00%APY
- Term
- 7 months
- Minimum
- $2,500
- Earns on $10,000
- $231
CDs
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Highland Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Highland Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CDs
Up to 4.00%APY · 12 terms
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term. Compounding and crediting at maturity | 0.65% | — | 0.65% | $16 |
| 6 months182 Day term. Compounding and crediting at maturity | 1.25% | — | 1.25% | $62 |
| 7 monthsNew Money Special: 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. Compounding and crediting at maturity | — | 4.00% | 4.00% | $231 |
| 7 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting at maturity | — | 3.85% | 3.85% | $223 |
| 12 monthsCompounding and crediting annually and at maturity | 1.40% | — | 1.40% | $140 |
| 13 monthsNew Money Special: 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. Compounding and crediting annually and at maturity | — | 4.00% | 4.00% | $434 |
| 13 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting annually and at maturity | — | 3.85% | 3.85% | $418 |
| 18 monthsCompounding and crediting annually and at maturity | 1.15% | — | 1.15% | $173 |
| 24 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $252 |
| 25 monthsNew Money Special: 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. Compounding and crediting annually and at maturity | — | 3.75% | 3.75% | $797 |
| 25 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting annually and at maturity | — | 3.60% | 3.60% | $765 |
| 36 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $380 |
| 40 monthsNew Money Special: 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. Compounding and crediting annually and at maturity | — | 3.75% | 3.75% | $1,306 |
| 40 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting annually and at maturity | — | 3.60% | 3.60% | $1,251 |
| 48 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $509 |
| 60 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $641 |
Sources (1)
- highland.bank/for-you/cds-iras · captured Oct 16, 2026
Special-purpose accounts
IRA CD
Up to 4.00%APY · 12 terms
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term. Compounding and crediting at maturity | 0.65% | — | 0.65% | $16 |
| 6 months182 Day term. Compounding and crediting at maturity | 1.25% | — | 1.25% | $62 |
| 7 monthsNew Money Special: 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. Compounding and crediting at maturity | — | 4.00% | 4.00% | $231 |
| 7 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting at maturity | — | 3.85% | 3.85% | $223 |
| 12 monthsCompounding and crediting annually and at maturity | 1.40% | — | 1.40% | $140 |
| 13 monthsNew Money Special: 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. Compounding and crediting annually and at maturity | — | 4.00% | 4.00% | $434 |
| 13 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting annually and at maturity | — | 3.85% | 3.85% | $418 |
| 18 monthsCompounding and crediting annually and at maturity | 1.15% | — | 1.15% | $173 |
| 24 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $252 |
| 25 monthsNew Money Special: 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. Compounding and crediting annually and at maturity | — | 3.75% | 3.75% | $797 |
| 25 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting annually and at maturity | — | 3.60% | 3.60% | $765 |
| 36 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $380 |
| 40 monthsNew Money Special: 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. Compounding and crediting annually and at maturity | — | 3.75% | 3.75% | $1,306 |
| 40 monthsSpecial: Minimum balance of $2,500 needed to open to obtain APY. Compounding and crediting annually and at maturity | — | 3.60% | 3.60% | $1,251 |
| 48 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $509 |
| 60 monthsCompounding and crediting annually and at maturity | 1.25% | — | 1.25% | $641 |
Sources (1)
- highland.bank/for-you/cds-iras · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.