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Certificates of Deposit

Certificates of Deposit are a smart addition to your investment portfolio.

  • The security of a fixed return
  • Choose the term that meets your needs
  • FDIC insured1
Min. Opening Deposit
  • $1,000
Interest Paid
Minimum Balance
  • N/A
Monthly Service Charge
  • N/A
  • We offer terms from 3 months to five years2View Rates
    • – Longer terms offer potentially higher interest rates
    • – Shorter terms mean quicker access to your funds
Check Writing Privileges
  • No
  • Funds cannot be added during the term and penalty for early withdrawal. Funds can be added or withdrawn at maturity.
Online Services
  • Free Online Banking (Commerce checking or savings account required)
  • Access electronic copies of your 1099 and certain other tax forms through Online Banking - View Tax Form FAQs
  • Order up to seven years of account statements and check images on CD-ROM


  1. The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.
  2. Penalty for early withdrawal