Certificates of Deposit (CDs)

With less risk than stocks or bonds and higher interest than a traditional savings account, Highlands State Bank's short and long-term CDs yield guaranteed returns on investment to help fund your future.

Certificates are available to individuals, businesses, non-profit organizations and municipalities.

Regular CDs

Target your savings for short or long-term growth while enjoying competitive guaranteed returns.

Account Highlights
  • Open your CD with as little as $1,000
  • Maturity terms range from 1 month to 5 years
  • Free Online Banking

You must deposit $1,000 to open this account. You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield (APY). The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may apply for early withdrawal. At maturity, the CD will automatically renew to the same term and rate in effect at that time. To obtain current rate and APY information visit our rates page or call your local branch. Certificates of Deposit are FDIC insured.

Jumbo CDs

Jumbo CDs are low-risk, stable investments for those seeking a guaranteed return.

Account Highlights
  • Open your Jumbo CD with $99,000 or more
  • Maturity terms range from 3 months to 5 years
  • Free Online Banking

You must deposit $99,000 to open this account. You must maintain a minimum daily balance of $99,000.00 to obtain the disclosed annual percentage yield (APY). The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may apply for early withdrawal. At maturity, the CD will automatically renew to the same term and rate in effect at that time. To obtain current rate and APY information visit our rates page or call your local branch. Certificates of Deposit are FDIC insured. Interest on all Highlands State Bank Jumbo certificates are simple interest and paid monthly. A penalty will be imposed for early withdrawal.

At Highlands State Bank, we offer competitive rates across our entire line of products.