CD Rates

The following rates are currently available:

Rates Effective as of

Personal Certificates of Deposit

 

Smart CD
(Minimum Opening Deposit=$1,000.00)
CD Term Interest Rate A.P.Y.*
12 Months 0.40% 0.40%

You may withdraw two times per month without penalty. $500.00 minimum withdrawal required. 

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Bump-Up CD
(Minimum Opening Deposit=$5,000.00)
CD Term Interest Rate A.P.Y.*
12 Months (CD & IRA) 0.45% 0.45%
24 Months (CD & IRA) 0.55% 0.55%
Limited time offer. May be withdrawn at any time.
A penalty may apply for early withdrawal. Fees may reduce earnings.

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Certificate of Deposit
(Minimum Opening Deposit=$1,000.00)
CD Term Interest Rate A.P.Y.*
7-31 Days 0.05% 0.05%
91 Days 0.10% 0.10%
6 Months 0.10% 0.10%
12 Months 0.45% 0.45%
18 Months 0.55% 0.55%
24 Months 0.75% 0.75%
30 Months 0.80% 0.80%
36 Months 0.90% 0.90%
48 Months 0.991% 1.00%
60 Months 1.34% 1.35%

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IRA Fixed Rate CD
(Minimum Opening Deposit on Fixed Rate IRA CD's=$500.00)
CD Term Interest Rate A.P.Y.*
6 Months 0.10% 0.10%
12 Months 0.45% 0.45%
18 Months 0.55% 0.55%
24 Months 0.75% 0.75%
30 Months 0.80% 0.80%
36 Months 0.90% 0.90%
42 Months 0.90% 0.90%
60 Months 1.34% 1.35%

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Royal 50's Certificates of Deposit***

Royal 50's Regular Rates
(Minimum Opening Deposit = $1,000.00)
CD Term Interest Rate A.P.Y.*
7-31 Days 0.05% 0.05%
91 Days 0.10% 0.10%
6 Months 0.10% 0.10%
12 Months 0.65% 0.65%
18 Months 0.75% 0.75%
24 Months 0.90% 0.90%
30 Months 0.95% 0.95%
36 Months 1.04% 1.05%
48 Months 1.14% 1.15%
60 Months 1.49% 1.50%
***Members must be at least 50 years of age, have any Commerce Bank checking account and maintain a minimum combined balance of $25,000.00 in one or more of Commerce Bank's checking, savings, certificates of deposit, money market deposit accounts or IRA accounts. There are no annual membership fees.

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 Royal 50's Certificates of Deposit***

Royal 50's CD Specials
 
CD Type Interest Rate A.P.Y.* Minimum Opening Deposit
Smart CD - 12 Months (Not available for IRA) 0.50% 0.50% $1,000.00
Bump-Up+ 12 Months (COD & IRA) 0.65% 0.65% $5,000.00
Bump-Up+ 24 Months (COD & IRA) 0.85% 0.85% $5,000.00
12 Month Royal (COD & IRA)**** 0.70% 0.70% $1,000.00
Royal Court CD/IRA Special*****      
18 Months 1.24% 1.25% $1,000.00 CD / $500.00 IRA

***Members must be at least 50 years of age, have any Commerce Bank checking account and maintain a minimum combined balance of $25,000.00 in one or more of Commerce Bank's checking, savings, certificates of deposit, money market deposit accounts or IRA accounts. There are no annual membership fees.

**** Additional deposits allowed-$500 minimum.

***** Available to Royal 50's members with combined deposit balances of $100,000.00 or more.

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* A.P.Y. = Annual Percentage Yield

(Interest rates, terms, and other information are subject to change without notice. Penalties may be imposed for early withdrawal. Full disclosure of product terms and conditions is provided upon request before opening an account by contacting one of our branch offices. Commerce Bank makes no express or implied warranty regarding the information or data presented on this web site, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this web site and its content, based on their reliance on any information or data that is available through this web site).