Bank · FDIC insured
Commerce Bank Texas CD Rates
Commerce Bank Texas’s best CD rate is 3.60% APY on a 1-year CD, with extra requirements. Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Commerce Bank Texas’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Commerce Bank Texas has the most branches. $10,000, best rate first.
This bank’s best
Commerce Bank Texas
3.60%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $360
Certificates of Deposit
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Commerce Bank Texas CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.60%
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 Texas 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 3.60%APY · 7 terms
Compounding quarterly; a penalty may be imposed for early withdrawal
| Term | APY · Up to $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.29% | 3.24% | 3.29%3.24% from $250k | $163 |
| 12 months | 3.60% | 3.55% | 3.60%3.55% from $250k | $360 |
| 13 monthsclosed to new accounts; renewal rate | 3.60% | 3.55% | 3.60%3.55% from $250k | $391 |
| 18 months | 3.60% | 3.55% | 3.60%3.55% from $250k | $545 |
| 24 months | 3.55% | 3.55% | 3.55%3.55% from $250k | $723 |
| 36 months | 3.55% | 3.55% | 3.55%3.55% from $250k | $1,103 |
| 48 months | 3.44% | 3.44% | 3.44%3.44% from $250k | $1,449 |
Sources (1)
- commercebanktx.com/wp-content/…/Rate-sheet-03122026.pdf · captured Oct 16, 2026
Special-purpose accounts
IRA 2 Year Fixed Rate
3.56%APY · 1 term
Compounding daily; a penalty may be imposed for early withdrawal
| Term | APY · Up to $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $20,000 | APY · $20,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 24 monthsCompounding daily; a penalty may be imposed for early withdrawal | 0.25% | 3.56% | 3.56% | 3.56% | 3.56% | 3.56% | 3.56%0.25% to $2.5k3.56% $10k–$20k3.56% $20k–$50k3.56% $50k–$100k3.56% from $100k | $725 |
Sources (1)
- commercebanktx.com/wp-content/…/Rate-sheet-03122026.pdf · captured Oct 16, 2026
IRA 2 Year Fixed Variable Rate
3.55%APY · 1 term
Compounding quarterly; a penalty may be imposed for early withdrawal
| Term | APY · Up to $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $20,000 | APY · $20,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 24 monthsCompounding quarterly; a penalty may be imposed for early withdrawal | 0.25% | 3.55% | 3.55% | 3.55% | 3.55% | 3.55% | 3.55%0.25% to $2.5k3.55% $10k–$20k3.55% $20k–$50k3.55% $50k–$100k3.55% from $100k | $723 |
Sources (1)
- commercebanktx.com/wp-content/…/Rate-sheet-03122026.pdf · captured Oct 16, 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.