Bank · FDIC insured
Commercial Trust Company Savings Rates
Commercial Trust Company’s best savings rate is 3.81% APY, with its Savings Tiered, with extra requirements. Rates checked October 16, 2026.
How Commercial Trust Company’s savings rates compare
Compared with banks and credit unions near Columbia, MO, where Commercial Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Commercial Trust Company
3.81%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $381
Savings Tiered
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
3rd-highest rate
Regional Missouri Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $200
Commercial Trust Company savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0003.81%
- $10,000 balance$10,0003.81%
- $100,000 balance$100,0000.05%
- QualifiedQualified3.81%
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 Trust Company 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.
Savings Tiered
3.81%APY
One account per customer social security number. Limited to 4 combined total withdrawals per month (withdrawals exceeding 4 charged $2.00 item fee per withdrawal over limit; internal transfers not counted as a withdrawal). Rates subject to change at financial institution's discretion.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rate is current as of 08/20/2026. Minimum $1,000 to open. | 0.00% | — | Rate is current as of 08/20/2026. Minimum $1,000 to open. |
| $1,000 – $20,000$1,000 minimum balance to obtain APY. Rate is current as of 08/20/2026. | 3.81% | $381 | $1,000 minimum balance to obtain APY. Rate is current as of 08/20/2026. |
| Over $20,000Rate is current as of 08/20/2026. Balances exceeding $20,000.01. | 0.05% | — | Rate is current as of 08/20/2026. Balances exceeding $20,000.01. |
Sources (1)
- commercialtrust.bank/personal/savings-cds-iras · captured Sep 17, 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.