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. 

Back to Top

 

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) 0.75% 0.75%
Limited time offer. May be withdrawn at any time.
A penalty may apply for early withdrawal. Fees may reduce earnings.

Back to Top

 

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%

Back to Top

 

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%

Click Here for More Information

Back to Top

 

Lion's Share Certificates of Deposit**

Lion's Share 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 0.60% 0.60%
18 Months 0.70% 0.70%
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%
**Must open or have an existing Lion's Share Checking account and a combined minimum balance within the bank of $5,000.00 in order to open this account.

Back to Top

Lion's Share 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) 0.60% 0.60% $5,000.00
Bump-Up+ 24 Months (COD & IRA) 0.85% 0.85% $5,000.00
**Must open or have an existing Lion's Share Checking account and a combined minimum balance within the bank of $5,000.00 in order to open this account.

 Back to Top

 

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.

Back to Top


 

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 0.90% 0.90% $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.

 Back to Top

* 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).