Bank · FDIC insured
The Bank of Commerce CD Rates
The Bank of Commerce’s best CD rate is 4.30% APY on an 18-month CD. Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How The Bank of Commerce’s CD rates compare
Compared with banks and credit unions near Idaho Falls, ID, where The Bank of Commerce has the most branches. $10,000, best rate first.
This bank’s best
The Bank of Commerce
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
Certificates of Deposit
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
Goldenwest Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $910
The Bank of Commerce CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.30%
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 The Bank of Commerce 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.
Certificates of Deposit
Up to 4.30%APY · 9 terms
All certificates can be added onto, $200 minimum add on. Penalty for early withdrawal may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 days term. All certificates can be added onto, $200 minimum add on | 3.00% | $74 |
| 6 months180 days term. All certificates can be added onto, $200 minimum add on | 3.50% | $173 |
| 9 months9 month term. All certificates can be added onto, $200 minimum add on | 3.75% | $280 |
| 11 months11 month term. All certificates can be added onto, $200 minimum add on | 4.25% | $389 |
| 12 months12 month term. All certificates can be added onto, $200 minimum add on | 4.00% | $400 |
| 18 months18 month term. All certificates can be added onto, $200 minimum add on | 4.30% | $652 |
| 24 months24 month term. All certificates can be added onto, $200 minimum add on | 3.00% | $609 |
| 36 months36 month term. All certificates can be added onto, $200 minimum add on | 3.00% | $927 |
| 48 months48 month term. All certificates can be added onto, $200 minimum add on | 3.00% | $1,255 |
Sources (1)
- bofc.bank/loans-cards/credit-c…ersonal-credit-card.html · captured Oct 15, 2026
CD Plus
4.10%APY · 1 term
Fixed interest rate. Interest is compounded and paid at maturity. Add-on feature ($200 minimum). Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 months11 month term. Add-on feature ($200 minimum add on) | 4.10% | $375 |
Sources (2)
- bofc.bank/loans-cards/credit-c…ersonal-credit-card.html
- bofc.bank/personal/savings-cds…ates-of-deposit-cds.html
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.30%APY · 4 terms
Deposits allowed. Options for either a variable rate or fixed rate. Traditional and Roth IRA options with $100 minimum deposit stated for IRA product details. Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 month term. Deposits allowed | 4.30% | $652 |
| 18 months18 month variable rate. Deposits allowed | 1.00% | $150 |
| 24 months24 month term. Deposits allowed | 3.00% | $609 |
| 36 months36 month term. Deposits allowed | 3.00% | $927 |
| 48 months48 month term. Deposits allowed | 3.00% | $1,255 |
Sources (2)
- bofc.bank/loans-cards/credit-c…ersonal-credit-card.html
- bofc.bank/personal/savings-cds…ement-accounts-iras.html
All captured Oct 15, 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.