Bank · FDIC insured
Highlands Bank Savings Rates
Highlands Bank’s best savings rate is 0.35% APY on $10,000, with its Insured Money Market Account. Rates checked October 22, 2026.
How Highlands Bank’s savings 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
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $100
Free Kasasa Saver
Top rate
Dollar Bank
3.75%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
First Peoples Community Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Highlands Bank savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.60%
- QualifiedQualified1.00%
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 Highlands Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Free Kasasa Saver
Up to 1.00%APY
Must be paired with a linked Kasasa Cash or Kasasa Cash Back checking account. Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for the highest Kasasa Saver rate. Monthly qualification cycle requires at least 12 debit card purchases, enrollment in and agreement to receive e-statements, and enrollment/login to online banking. Limit one account per social security number. Variable rate. No recurring monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle. | 1.00% | $100 | When Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle. |
| Any balanceWhen qualifications are not met in Kasasa Cash or Kasasa Cash Back. All balances earn base APY. | 0.10% | $10 | When qualifications are not met in Kasasa Cash or Kasasa Cash Back. All balances earn base APY. |
| $50,000 and upWhen Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle. Balances over $50,000 earn 0.25% interest rate on the portion over $50,000, resulting in an APY range from 1.00% to 0.40% depending on account balance. | 0.40% | — | When Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle. Balances over $50,000 earn 0.25% interest rate on the portion over $50,000, resulting in an APY range from 1.00% to 0.40% depending on account balance. |
Insured Money Market Account
0.35%APY
Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. Minimum opening deposit required of $1,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,500Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. | 0.15% | — | Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. |
| $2,500 – $10,000Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. | 0.25% | — | Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. |
| $10,000 – $20,000Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. | 0.35% | $35 | Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. |
| $20,000 and upRates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. | 0.60% | — | Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY. |
Sources (1)
- highlands.bank/personal/checki…ccounts/ez-checking.html · captured Sep 19, 2026
Personal Statement Savings
0.25%APY
Rates may change after account is opened. Interest compounded quarterly and credited quarterly. 6 free withdrawals per month; $5 fee per withdrawal in excess thereafter. No monthly maintenance fees. No minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
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.