Bank · FDIC insured
Commercial Bank Savings Rates
Commercial Bank’s best savings rate is 0.50% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How Commercial Bank’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $200
Free Kasasa Saver® Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Commercial Bank savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified2.00%
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 Commercial 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.
Free Kasasa Saver® Account
Up to 2.00%APY
Exclusively available to Kasasa Cash or Kasasa Cash Back checking account holders. Limit 1 account per SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during Monthly Qualification Cycle: 12+ debit card purchases > $1.00, enrollment in e-statements, and 1+ direct deposit/ACH payment transaction. | 2.00% | $200 | When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during Monthly Qualification Cycle: 12+ debit card purchases > $1.00, enrollment in e-statements, and 1+ direct deposit/ACH payment transaction. |
| Any balanceWhen Kasasa Cash or Kasasa Cash Back qualifications are not met during Monthly Qualification Cycle; applies to entire daily balance. | 0.10% | $10 | When Kasasa Cash or Kasasa Cash Back qualifications are not met during Monthly Qualification Cycle; applies to entire daily balance. |
| Over $50,000When qualifications are met. 1.00% interest rate paid on portion of daily balance over $50,000 resulting in APY between 2.00% and 1.49% (calculated assuming a daily balance of $150,000 / $100,000). | 1.49% | — | When qualifications are met. 1.00% interest rate paid on portion of daily balance over $50,000 resulting in APY between 2.00% and 1.49% (calculated assuming a daily balance of $150,000 / $100,000). |
Personal Money Market
0.25%APY
Interest is compounded and credited quarterly. Avoid $15 monthly maintenance fee with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within one of the tiers, earn the disclosed interest rate and APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. | 0.10% | — | Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. |
| $10,000 – $50,000Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. | 0.25% | $25 | Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. |
| $50,000 – $100,000Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. | 0.50% | — | Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. |
| $100,000 and upFee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. | 0.75% | — | Fee waived with $1,500 minimum daily balance or $2,500 average daily balance. If daily balance for each billing cycle is within range, earn the disclosed rate. |
Sources (2)
All captured Oct 5, 2026
Personal Savings
0.50%APY
$5 quarterly maintenance fee waived with $300 minimum daily balance or $500 average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $28 and upMinimum balance to obtain stated APY is $28.00. Interest is compounded and credited quarterly.$28 and up | 0.50% | $50 | Minimum balance to obtain stated APY is $28.00. Interest is compounded and credited quarterly. |
Special-purpose accounts
UTMA Custodial Savings
2.52%APY
Established under the Uniform Transfers to Minors Act for minors up to age 18 (terminates at statutory age 21). Rate only valid on Savings accounts adhering to Missouri Transfers to Minors Law.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to obtain stated APY is $5.00. No minimum opening balance required. Interest compounded and credited quarterly.$5 and up | 2.52% | $252 | Minimum balance to obtain stated APY is $5.00. No minimum opening balance required. Interest compounded and credited quarterly. |
Health Savings Accounts
1.00%APY
Available to taxpayers enrolled in a high deductible health plan (HDHP).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate applies to average daily collected balance $0 - $9,999.99. Minimum balance to earn APY is $16.00. | 0.65% | — | Rate applies to average daily collected balance $0 - $9,999.99. Minimum balance to earn APY is $16.00. |
| $10,000 and upRate applies to average daily collected balance $10,000.00 and over. | 1.00% | $100 | Rate applies to average daily collected balance $10,000.00 and over. |
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.