Bank · FDIC insured
Commerce Bank CD Rates
Commerce Bank’s best CD rate is 3.85% APY on an 18-month CD. Terms run from 2 months to 18 months. Rates checked October 16, 2026.
How Commerce Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Commerce Bank has the most branches. $10,000, best rate first.
This bank’s best
Commerce Bank
3.85%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $583
18 Month Promotional CD
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
18 Month Promotional CD
3.85%APY · 1 term
Rates are subject to change. Applied location: ZIP 64106.
| Term | APY · Up to $9,998 | APY · $9,999 – $24,998 | APY · $24,999 – $49,998 | APY · $49,999 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 months | 0.03% | 3.85% | 3.85% | 3.85% | 3.85%0.03% to $10k3.85% $25k–$50k3.85% from $50k | $583 |
Sources (1)
- commercebank.com/personal/view-rates · captured Oct 16, 2026
11 Month Promotional CD
3.75%APY · 1 term
Rates are subject to change. Applied location: ZIP 64106.
| Term | APY · Up to $9,998 | APY · $9,999 – $24,998 | APY · $24,999 – $49,998 | APY · $49,999 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 11 months | 0.02% | 3.75% | 3.75% | 3.75% | 3.75%0.02% to $10k3.75% $25k–$50k3.75% from $50k | $343 |
Sources (1)
- commercebank.com/personal/view-rates · captured Oct 16, 2026
2 Month Promotional CD
3.05%APY · 1 term
Rates are subject to change. Applied location: ZIP 64106.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 months | 3.05% | $50 |
Sources (1)
- commercebank.com/personal/view-rates · captured Oct 16, 2026
Opening an account
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