myRewards Savings Calculator

Savings Accounts, Money Market Accounts and Certificates of Deposit

Commerce Bank has a variety of savings options that provide safe returns, flexibility and liquidity.

Savings Accounts:

  Min. Opening Deposit Minimum Balance Monthly Service Charge
Rates

myRewards Savings

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$0 $300 daily balance OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more1 (waived for minors) $31
(if balance not met)
View Savings Rates

Personal Savings Account

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$100 $300 daily balance OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more1 (waived for minors) $31
(if balance not met; waived for minors)
View Savings Rates

Money Market Accounts:

  Min. Opening Deposit Minimum Balance Monthly Service Charge
Rates

myRewards Money Market

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$0 $500 daily balance OR $1,000 average daily balance for the monthly cycle OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more2 $6
(if balance not met)
View Money Market Rates

Premium Money
Market Account

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$1,000 $5,000 Average Daily Balance3 $10
(if balance not met)
View Money Market Rates

CommerceOptions Money Market

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$1,000 $5,000 Average Daily Balance3 $10
(if balance not met)
View Money Market Rates

Personal Investment Savings

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$100 $500 Minimum
OR
$1,000 Average Daily Balance3 OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more4
$6
(if balance not met)
View Money Market Rates

Certificates of Deposit:

  Min. Opening Deposit Minimum Balance Monthly Service Charge
Rates

Certificates of Deposit (CD)

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$1,000 N/A N/A View CD Rates

Disclosures:

  1. Daily balance means ending ledger balance in the account each day. You must maintain the $300 minimum daily balance every day of a month or have at least one electronic deposit of $25 or more during the month to earn interest and to avoid a service charge that month. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.
  2. Daily balance means ending ledger balance in the account each day. You must maintain the $500 minimum daily balance every day of a month or a $1,000 average daily balance for the monthly cycle or have at least one electronic deposit of $25 or more during the month to earn interest and to avoid a service charge that month. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.
  3. Average daily balance is calculated by adding the ending ledger balance in the account each day of the monthly cycle and dividing that sum by the number of days in the cycle. You must maintain the minimum average daily balance for the month to avoid a service charge.
  4. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.