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View Rates Online
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Enter your zip code to view rates in your area. |
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All APYs and rates effective
5/5/2008
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35-Month CD Special
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Term / Account Type |
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Interest Rate |
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35 Month |
3.50% |
3.44% |
$1,000 |
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Certificates of Deposit (CDs)
Our CommerceOptions1 checking account customers are eligible for premium rates on Certificates of Deposit.
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Term / Account Type |
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Interest Rate |
Minimum
to Open |
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91 to 181 Day |
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$2,500 |
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6 Month to 11 Month |
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$2,500 |
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Up to $9,999 |
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$10,000 – $24,999 |
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$25,000 - $49,999 |
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$50,000 and Over |
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1 Year (12 to 23 Months) |
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$1,000 |
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Up to $9,999 |
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$10,000 – $24,999 |
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$25,000 - $49,999 |
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$50,000 and Over |
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2 Year (24 to 35 Months) |
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$1,000 |
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Up to $9,999 |
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$10,000 – $24,999 |
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$25,000 - $49,999 |
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$50,000 and Over |
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3 Year (36 to 47 Months) |
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$1,000 |
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Up to $9,999 |
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$10,000 – $24,999 |
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$25,000 - $49,999 |
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$50,000 and Over |
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4 Year (48 to 59 Months) |
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$1,000 |
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Up to $9,999 |
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$10,000 – $24,999 |
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$25,000 - $49,999 |
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$50,000 and Over |
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5 Year |
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$1,000 |
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Up to $9,999 |
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$10,000 – $24,999 |
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$25,000 - $49,999 |
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$50,000 and Over |
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* APY = Annual Percentage Yield
Penalty for early withdrawal. Each depositor insured up to $100,000.
1 CommerceOptions requires certain product relationships or a $12 or $20 monthly fee.
Interest Bearing Checking Accounts
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Account Type |
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Interest Rate |
Minimum
to Open |
Minimum to
earn APY |
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$1,000 and Over |
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$100 |
$1,000 |
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$0 - $999.99 |
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$100 |
$0 |
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* APY – Annual Percentage Yield.
Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion.
Fees could reduce earnings on your account. Each depositor insured up to $100,000.
Savings Accounts
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Account Type |
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Interest Rate |
Minimum
to Open |
Minimum to
earn APY |
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Regular Savings |
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$100 |
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$100 & Over |
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$100 |
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$0 – 99.99 |
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$0 |
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Investment Savings |
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$100 |
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$1,000 & Over |
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$1,000 |
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$100 – 999.99 |
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$100 |
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$0 – 99.99 |
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$0 |
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* APY – Annual Percentage Yield.
Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion. Regular Savings Interest is compounded on a daily basis and is credited to your account on the last business day of every month. Investment Savings Interest is compounded on a monthly cycle basis and credited to your account at the end of the monthly statement cycle.
Fees could reduce earnings on your account.
You must maintain a minimum collected balance of $100 in the account each day to obtain the disclosed annual percentage yield. Interest does not accrue on days your ending collected balance is less than $100.
When your Investment Savings collected balance is greater than $1,000, you may earn a higher interest rate than on balances below $1,000. Pre-authorized or automatic transfers of withdrawals from the account, including telephone transfers, are limited by law to six per statement cycle, three of which may be by check to a third party. Transfers between accounts of the depositor in person or by mail and withdrawals in person or at a Commerce Bank ATM are unlimited. Each depositor insured up to $100,000.
Money Market Accounts
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Account Type |
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Interest Rate |
Minimum
to Open |
Minimum to
earn APY |
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Premium Money Market† |
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$1,000 |
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$50,000 & Over |
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$50,000 |
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$25,000 – 49,999 |
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$25,000 |
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$10,000 – 24,999 |
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$10,000 |
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$0 - $9,999 |
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$0 |
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* APY – Annual Percentage Yield
† Ask about our CommerceOptionsSM checking account for an even better rate!
Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion. Interest is compounded on a monthly cycle basis and credited to your account at the end of the monthly statement cycle. Fees could reduce earnings on your account.
The interest rate is based on four tier levels.
Pre-authorized or automatic transfers of withdrawals from the account, including telephone transfers, are limited by law to six per statement cycle, three of which may be by check to a third party. Transfers between accounts of the depositor in person or by mail and withdrawals in person or at a Commerce Bank ATM are unlimited. Each depositor insured up to $100,000.
Individual Retirement Accounts
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Account Type |
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Interest Rate |
Minimum
to Open |
Minimum to
earn APY |
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Money Market IRA |
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$250 |
$1 |
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2 Year Variable Rate CD** |
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$500 |
$1 |
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1 Year to 5 Year CDs {Same rates as standard CD products above $1,000} |
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* APY – Annual Percentage Yield
** The interest rate is based on the 182 day T-Bill Auction rate plus a margin of ¼% and may change the first day of each calendar quarter. The interest rate for the 182 day T-Bill is 3.46% as of 11/19/2007.
Penalty for early withdrawal. Each IRA depositor insured up to $250,000. Maximum deposit limit $500,000 per customer.
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