Bank · FDIC insured
Highlands Bank CD Rates
Highlands Bank’s best CD rate is 3.80% APY on a 14-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Highlands Bank’s CD rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where Highlands Bank has the most branches. $10,000, best rate first.
This bank’s best
Highlands Bank
3.80%APY
- Term
- 14 months
- Minimum
- $5,000
- Earns on $10,000
- $445
14 Month Bump
Top rate
First Peoples Community Federal Credit Union
4.15%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $521
2nd-highest rate
SECU Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $445
Highlands Bank CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo2.60%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo2.70%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.80%
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 Highlands 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.
14 Month Bump
3.80%APY · 1 term
One deposit per term with a minimum of $1,000 may be added to the 14 & 30 month bump. Rate may be increased once during the term of the certificate to the current offering rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsOne deposit per term with a minimum of $1,000 may be added to the 14 & 30 month bump. Rate may be increased once during the term of the certificate to the current offering rate | 3.80% | $445 |
Sources (2)
- highlands.bank/personal/saving…ates-of-deposit-cds.html
- highlands.bank/tools/manage-your-account/rates.html
All captured Sep 19, 2026
Certificates of Deposit (CDs)
Up to 3.00%APY · 5 terms
Terms from 182 days to 5 years. Fixed rate for length of term. Penalty for early withdrawal. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.60% | $129 |
| 12 months | 2.70% | $270 |
| 24 months | 2.70% | $547 |
| 36 months | 2.75% | $848 |
| 60 months | 3.00% | $1,593 |
Special-purpose accounts
Individual Retirement Accounts (IRAs) - Time Deposits
Up to 3.10%APY · 3 terms
Available as Traditional or Roth IRA. No setup fees. No monthly or annual maintenance fees. $250 minimum deposit to open. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.80% | $280 |
| 24 months | 2.80% | $568 |
| 60 months | 3.10% | $1,649 |
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.