Bank · FDIC insured
Commercial Bank CD Rates
Commercial Bank’s best CD rate is 4.16% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Commercial Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Commercial Bank has the most branches. $10,000, best rate first.
This bank’s best
Commercial Bank
4.16%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $849
Personal Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Commercial Bank CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo4.16%
- 31–60 months31–60 mo3.29%
- QualifiedQualified4.16%
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 Commercial Bank 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.
Personal Certificates of Deposit
Up to 4.16%APY · 10 terms
Fixed rate paid until maturity date. Minimum opening balance of $1,000. Interest compounded and credited quarterly (credited at maturity if term is less than three months). Daily balance method used to calculate interest. Automatically renewable with a 10-day grace period for terms over 14 days, and 1-day grace period for 14-day terms. Early withdrawal penalty applies: 1 month of interest for terms 14-90 days, 3 months of interest for terms 91 days to 1 year, and 6 months of interest for terms greater than 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsTerm: 14 - 90 Days | 0.50% | $2 |
| 4–6 monthsTerm: 91 – 181 Days | 0.50% | $13 |
| 7–12 monthsTerm: 182 – 364 Days | 2.02% | $102 |
| 7 monthsOasis Specials CD. Term: 7 Month | 3.80% | $220 |
| 11 monthsOasis Specials CD. Term: 11 Month | 4.11% | $376 |
| 12 monthsTerm: 1 Year | 2.78% | $278 |
| 24 monthsOasis Specials CD. Term: 24 Month | 4.16% | $849 |
| 24 monthsTerm: 2 Year | 2.78% | $564 |
| 36 monthsTerm: 3 Year | 2.78% | $857 |
| 48 monthsTerm: 4 Year | 3.03% | $1,268 |
| 60 monthsTerm: 5 Year | 3.29% | $1,757 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA CDs)
Up to 3.96%APY · 8 terms
Offers Traditional and Roth IRAs invested in Certificates of Deposit with no setup costs or monthly fees. Minimum opening balance of $500. Allows rollovers or transfers of other retirement funds. Early withdrawal penalties and a $25.00 IRA transfer fee apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsTerm: 14 - 90 Days | 0.50% | $2 |
| 4–6 monthsTerm: 91 – 181 Days | 0.50% | $13 |
| 7–12 monthsTerm: 182 – 364 Days | 2.02% | $102 |
| 12 monthsTerm: 1 Year | 2.78% | $278 |
| 24 monthsOasis Specials Traditional & Roth IRAs. Term: 2 Year | 3.96% | $808 |
| 24 monthsTerm: 2 Year | 2.78% | $564 |
| 36 monthsTerm: 3 Year | 2.78% | $857 |
| 48 monthsTerm: 4 Year | 3.03% | $1,268 |
| 60 monthsTerm: 5 Year | 3.29% | $1,757 |
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.