Bank · FDIC insured
Commerce Bank & Trust CD Rates
Commerce Bank & Trust’s best CD rate is 4.00% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Commerce Bank & Trust’s CD rates compare
Compared with banks and credit unions near Orlando, FL, where Commerce Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Commerce Bank & Trust
4.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $606
Certificates of Deposit
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Commerce Bank & Trust CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Commerce Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 10 terms
Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 day CD (Non-IRA). Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty | 3.00% | $74 |
| 6 months180 day CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.25% | $161 |
| 7 months7 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.25% | $188 |
| 9 months9 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.50% | $261 |
| 12 months12 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.75% | $375 |
| 18 months18 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 4.00% | $606 |
| 24 months24 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 4.00% | $816 |
| 36 months36 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.70% | $1,152 |
| 48 months48 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.70% | $1,564 |
| 60 months60 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.70% | $1,992 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 9 terms
Available through Traditional and IRA accounts. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months180 day CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.25% | $161 |
| 7 months7 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.25% | $188 |
| 9 months9 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.50% | $261 |
| 12 months12 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.75% | $375 |
| 18 months18 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 4.00% | $606 |
| 24 months24 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 4.00% | $816 |
| 36 months36 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.70% | $1,152 |
| 48 months48 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.70% | $1,564 |
| 60 months60 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account | 3.70% | $1,992 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.