Bank · FDIC insured
Commerce Bank Savings Rates
Commerce Bank’s best savings rate is 0.01% APY on $10,000, with its Premium Money Market Account. Rates checked October 16, 2026.
How Commerce Bank’s savings 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
0.01%APY
- Minimum
- $0
- Earns on $10,000 a year
- $1
myRewards Savings
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Commerce Bank savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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 ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premium Money Market Account
0.01%APY
Monthly service fee of $12 is waived if a $5,000 minimum daily balance is maintained for the monthly cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,998Monthly service fee of $12 waived with $5,000 minimum daily balance. | 0.01% | — | Monthly service fee of $12 waived with $5,000 minimum daily balance. |
| $9,999 – $24,998Monthly service fee of $12 waived with $5,000 minimum daily balance. | 0.01% | $1 | Monthly service fee of $12 waived with $5,000 minimum daily balance. |
| $24,999 – $49,998Monthly service fee of $12 waived with $5,000 minimum daily balance. | 0.01% | — | Monthly service fee of $12 waived with $5,000 minimum daily balance. |
| $49,999 – $99,997Monthly service fee of $12 waived with $5,000 minimum daily balance. | 0.01% | — | Monthly service fee of $12 waived with $5,000 minimum daily balance. |
| $99,998 and upMonthly service fee of $12 waived with $5,000 minimum daily balance. | 0.01% | — | Monthly service fee of $12 waived with $5,000 minimum daily balance. |
Sources (1)
- commercebank.com/personal/bank…ngs/premium-money-market · captured Oct 5, 2026
myRewards Savings
0.01%APY
Monthly service fee of $5.00 is waived with a $300 minimum daily balance or at least one monthly electronic deposit of $25 or more, and waived for the first 60 days after account opening. Up to 3 free withdrawals/transfers per month ($2.00 each thereafter). Annual deposit rewards available for 11 consecutive monthly deposits and 4 or fewer withdrawals per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn stated APY. Rate may change after account is opened. Monthly service fee of $5.00 waived with $300 daily balance or at least one monthly electronic deposit of $25+, and waived for first 60 days after opening. Free paperless statements; $3.00/month for paper statements.Any balance | 0.01% | $1 | No minimum balance required to earn stated APY. Rate may change after account is opened. Monthly service fee of $5.00 waived with $300 daily balance or at least one monthly electronic deposit of $25+, and waived for first 60 days after opening. Free paperless statements; $3.00/month for paper statements. |
Sources (1)
- commercebank.com/personal/bank/savings/myrewards-savings · 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.