Bank · FDIC insured
The Bank of Commerce Savings Rates
The Bank of Commerce’s best savings rate is 1.06% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How The Bank of Commerce’s savings 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
1.06%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $106
Money Market Account
Top rate
Members Preferred Credit Union
4.08%APY
- Minimum
- $0
- Earns on $10,000 a year
- $408
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
The Bank of Commerce savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.06%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.06%
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 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.
Money Market Account
1.06%APY
Rates subject to change. Fees may reduce earnings. $2,500 minimum to open. No service charge fee if $2,500 balance is maintained every day of the statement cycle. Rate tier based on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Balance tier: up to $49,999.99. | 1.06% | $106 | Balance tier: up to $49,999.99. |
| $50,000 and upBalance tier: $50,000.00 and over. | 2.12% | — | Balance tier: $50,000.00 and over. |
Sources (2)
- bofc.bank/loans-cards/credit-c…ersonal-credit-card.html
- bofc.bank/personal/checking/money-market-account.html
All captured Oct 3, 2026
Idaho Medical Savings Account
0.50%APY
Maintain $100 balance to waive monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMaintain $100 balance to waive the fee.$100 and up | 0.50% | $50 | Maintain $100 balance to waive the fee. |
Sources (2)
- bofc.bank/loans-cards/credit-c…ersonal-credit-card.html
- bofc.bank/personal/savings-cds…al-savings-accounts.html
All captured Oct 3, 2026
Statement Savings
0.50%APY
Maintain $100 balance to waive the monthly fee. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMaintain $100 balance to waive monthly fee; $100 minimum to open; interest paid quarterly.$100 and up | 0.50% | $50 | Maintain $100 balance to waive monthly fee; $100 minimum to open; interest paid quarterly. |
e-Savings
0.50%APY
No monthly fee, no minimum opening deposit, and no minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
- bofc.bank/loans-cards/credit-c…ersonal-credit-card.html
- bofc.bank/personal/savings-cds…al-savings-accounts.html
All captured Oct 3, 2026
Kasasa Saver
0.00%APY
Rate tiers depend on meeting monthly qualification requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000When qualifications are met. | 0.00% | $0 | When qualifications are met. |
| Any balanceAll balances if qualifications not met. | 0.00% | $0 | All balances if qualifications not met. |
| $15,000 and upWhen qualifications are met. | 0.00% | — | When qualifications are met. |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
$mart Cents Savings
0.50%APY
For customers 18 and under. Maintain $50 balance to waive the monthly fee. Interest paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For savers 18 and under; maintain $50 balance to waive fee; balances up to and including $5,000 earn $mart Cents preferred rate; interest paid quarterly. | 3.50% | — | For savers 18 and under; maintain $50 balance to waive fee; balances up to and including $5,000 earn $mart Cents preferred rate; interest paid quarterly. |
| $5,000 and upFor savers 18 and under; balances over $5,000 earn the Statement Savings rate; maintain $50 balance to waive fee; interest paid quarterly. | 0.50% | $50 | For savers 18 and under; balances over $5,000 earn the Statement Savings rate; maintain $50 balance to waive fee; interest paid quarterly. |
Individual Retirement Account (IRA)
1.00%APY · 1 term
Offers variable-rate or fixed-rate terms. Additional deposits allowed up to annual legal limit. Substantial penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 month variable rate. Deposits allowed. Substantial penalty for early withdrawal may apply | 1.00% | $150 |
Health Savings Account
0.50%APY
Available to individuals enrolled in a high deductible health plan, not covered by other health plan, not entitled to Medicare benefits, and not claimed as a dependent.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Interest compounded daily and paid monthly. No service charge if $100 balance is maintained every day of statement cycle. | 0.40% | — | Interest compounded daily and paid monthly. No service charge if $100 balance is maintained every day of statement cycle. |
| $2,500 and upInterest compounded daily and paid monthly. No service charge if $100 balance is maintained every day of statement cycle. | 0.50% | $50 | Interest compounded daily and paid monthly. No service charge if $100 balance is maintained every day of statement cycle. |
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.