Highland Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

highland.bank

763-497-2131

701 Central Avenue East
Saint Michael, MN 55376

Highland Bank is headquartered in SAINT PAUL and is the 27^th largest bank in the state of Minnesota. It is also the 1,264^th largest bank in the nation. It was established in 1943 and as of March of 2025, it had grown to 106 employees at 9 locations. Highland Bank's money market rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	16111
Year Established	1943
Employees	106
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	10.99%
Annual Interest Income	$11MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$793.3MM$778.8MM
Loans	Q1 2025vs Q1 2024	$543.2MM$539.3MM
Deposits	Q1 2025vs Q1 2024	$688.7MM$660MM
Equity Capital	Q1 2025vs Q1 2024	$57MM$54.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$9MM$9.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$57K$86K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Highland Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$0	$100k	Kasasa Saver
OTHER TIERS: 0.50% → $100k+
0.20%	$0	-	Statement Savings Account

Highland Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.87%^*	$5m^*	-	Premier Money Market Savings Account
OTHER TIERS: 0.90% → $0 - $10k \| 1.11% → $10k - $25k \| 1.16% → $25k - $50k \| 1.26% → $50k - $100k \| 1.51% → $100k - $250k \| 1.66% → $250k - $1m \| 1.76% → $1m - $2.5m \| 1.81% → $2.5m - $5m
1.41%^*	$250k^*	-	IRA Money Market Savings
OTHER TIERS: 0.15% → $1k - $10k \| 0.25% → $10k - $25k \| 0.50% → $25k - $50k \| 1.00% → $50k - $100k \| 1.26% → $100k - $250k
0.95%^*	$1k^*	-	Money Market Savings Account
OTHER TIERS: 0.70% → $0 - $1k

Highland Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$0	$10k	Kasasa Cash Checking
0.20%	$500	-	Relationship Checking
0.15%	$1k	-	Interest Checking Account

Highland Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.05%	$2.5k	-	17 Month CD Special - 50% New Money
4.05%	$2.5k	-	Business 17 Month CD Special - 50% New Money
4.05%	$2.5k	-	9 Month CD Special- 50% New Money
4.05%	$2.5k	-	Business 9 Month CD Special - 50% New Money
3.90%	$2.5k	-	17 Month CD Special
3.90%	$2.5k	-	Business 17 Month CD Special
3.90%	$2.5k	-	9 Month CD Special
3.90%	$2.5k	-	Business 9 Month CD Special
3.80%	$2.5k	-	25 Month CD Special - 50% New Money
3.80%	$2.5k	-	Business 25 Month CD Special - 50% New Money
3.80%	$2.5k	-	40 Month CD Special - 50% New Money
3.80%	$2.5k	-	Business 40 Month CD Special - 50% New Money
3.65%	$2.5k	-	25 Month CD Special
3.65%	$2.5k	-	Business 25 Month CD Special
3.65%	$2.5k	-	40 Month CD Special
3.65%	$2.5k	-	Business 40 Month CD Special
1.45%	$1k	-	24 Month CD
1.45%	$1k	-	36 Month CD
1.45%	$1k	-	Business 24 Month CD
1.45%	$1k	-	Business 36 Month CD
1.40%	$1k	-	12 Month CD
1.40%	$1k	-	18 Month CD
1.40%	$1k	-	Business 12 Month CD
1.40%	$1k	-	Business 18 Month CD
1.30%	$1k	-	60 Month CD
1.30%	$1k	-	Business 60 Month CD
1.25%	$1k	-	182 Day CD
1.25%	$1k	-	48 Month CD
1.25%	$1k	-	Business 182 Day CD
1.25%	$1k	-	Business 48 Month CD
0.65%	$1k	-	91 Day CD
0.65%	$1k	-	Business 91 Day CD

Highland Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.05%	$2.5k	-	9 Month IRA Special- 50% New Money
4.05%	$2.5k	-	17 Month IRA Special - 50% New Money
4.05%	$2.5k	-	Business 9 Month IRA Special- 50% New Money
4.05%	$2.5k	-	Business 17 Month IRA Special - 50% New Money
3.90%	$2.5k	-	9 Month IRA Special
3.90%	$2.5k	-	17 Month IRA Special
3.90%	$2.5k	-	Business 9 Month IRA Special
3.90%	$2.5k	-	Business 17 Month IRA Special
3.80%	$2.5k	-	25 Month IRA Special - 50% New Money
3.80%	$2.5k	-	40 Month IRA Special - 50% New Money
3.80%	$2.5k	-	Business 25 Month IRA Special - 50% New Money
3.80%	$2.5k	-	Business 40 Month IRA Special - 50% New Money
3.65%	$2.5k	-	25 Month IRA Special
3.65%	$2.5k	-	40 Month IRA Special
3.65%	$2.5k	-	Business 25 Month IRA Special
3.65%	$2.5k	-	Business 40 Month IRA Special
1.45%	$500	-	24 Month IRA
1.45%	$500	-	36 Month IRA
1.45%	$500	-	Business 24 Month IRA
1.45%	$500	-	Business 36 Month IRA
1.40%	$500	-	12 Month IRA
1.40%	$500	-	18 Month IRA
1.40%	$500	-	Business 12 Month IRA
1.40%	$500	-	Business 18 Month IRA
1.30%	$500	-	60 Month IRA
1.30%	$500	-	Business 60 Month IRA
1.25%	$500	-	182 Day IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	Business 182 Day IRA
1.25%	$500	-	Business 48 Month IRA
0.65%	$500	-	91 Day IRA
0.65%	$500	-	Business 91 Day IRA

Locations

Highland Bank Locations
Maple Grove Branch	13250 Grove Drive	Maple Grove, MN 55369
Ridgedale State Bank Branch	1700 Plymouth Road	Minnetonka, MN 55305
St Paul Branch	2100 Ford Parkway	Saint Paul, MN 55116
Bloomington Branch	5270 West 84th Street	Bloomington, MN 55437
Highland Bank	701 Central Ave E	Saint Michael, MN 55376
Blaine Branch Office	11800 Aberdeen Street NE Suite 120	Blaine, MN 55449
Ely Branch Office	601 East Sheridan Street	Ely, MN 55731
Woodbury Branch Office	2230 Eagle Creek Lane Suite A	Woodbury, MN 55129

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