Savings

Commerce Bank savings accounts offer competitive rates and easy access to your money when you need it. We understand that everyone has different needs and goals for saving; you can find a Commerce savings account that’s just right for you.

Compare Commerce Savings Accounts

 

Premier Money Market

Our best yielding Money Market, exclusively for Lion's Share customers, provides liquidity with our highest rate of return. Three checking transactions required per month to obtain the higher interest level.

Rates

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Personal Money Market

For customers with larger balances who want to maintain liquidity. Offers a higher interest rate tied to the balance you maintain.

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Lion’s Share Savings

A tiered interest-bearing account designed for customers with larger balances. Includes ATM access and a small safe deposit box free for one year.

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Savings Account

A convenient way to save with easy ATM access. As a boost to your balance, when you use your Commerce Bank debit card, we round up the amount to the nearest dollar and automatically deposit the difference. Maintain a $100.00 average daily balance, and we will waive the $1.00 per month service fee.

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Cub Savings

Teach children about the power of savings with their own savings account. For those aged 18 and younger, this interest-bearing account requires no minimum balance to earn interest and has no monthly fees. We want to encourage the savings habit. Open an account with $10.00 or more and Commerce will match the first $5.00.

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Certificates of Deposits

Get a higher rate of return when you save for a specific amount of time. Check the rates link or stop by one of our branches to talk to one of our personal bankers.

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Vacation Club and Holiday Club

Save for a particular goal or special occasion without paying monthly service charges. Receive your Vacation Club checks at the end of April and Holiday Club check at the end of October.

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IRAs

Prepare for your retirement, your employees' retirement, or a child’s higher education. A tax-advantaged Individual Retirement Account (IRA) offers the potential to earn a higher return on your investments over time, compared with regular taxable investments. Commerce Bank offers a variety of options—plus unlimited professional advice to help you make the right choices for the future. To discuss your specific eligibility, please call one of our IRA specialists at: (800) 698-2265, or email us.

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SEPs

Simplified Employee Pension (SEP) plans can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees. A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25 percent of each employee’s pay.