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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 Funds can be added or withdrawn at maturity.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
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
  • NO PURCHASE OR ACCOUNT NECESSARY TO ENTER OR WIN. A PURCHASE OR ACCOUNT WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes is open to legal residents of United States who are 18 years old or older on or before November 14, 2016. You may also enter by mailing your name, address, phone number and email address to Commerce Bank Website Survey Sweepstakes, 8000 Forsyth Blvd CBIR-1, St. Louis, MO 63105 Entries must be received by December 15, 2016. Approximate retail value of the prize is one of ten (10) $50.00, three (3) $100.00 or (1) $250.00 Commerce Bank Visa Gift Cards. For a copy of the Official Rules, please visit
  • Deposit Agreement & Disclosures