Money Market Rates

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Rate Disclosures:

  • APY = Annual Percentage Yield
  • The interest rate is based on the 182 day T-Bill Auction rate plus a margin of % and may change the first day of each calendar quarter. The interest rate for the 182 day T-Bill is 1.10% as of 11/3/2008. Penalty for early withdrawal. Each IRA depositor insured up to $250,000. Maximum deposit limit $500,000 per customer.
  • 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 $250,000.