Bank · FDIC insured
The Commercial Bank CD Rates
The Commercial Bank’s best CD rate is 4.50% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How The Commercial Bank’s CD rates compare
Compared with banks and credit unions near Meridian, MS, where The Commercial Bank has the most branches. $10,000, best rate first.
This bank’s best
The Commercial Bank
4.50%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,462
Certificates of Deposit (CDs)
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
Navy Federal Credit Union
4.10%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $621
The Commercial Bank CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 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.
Certificates of Deposit (CDs)
Up to 4.50%APY · 9 terms
May have an early withdrawal penalty. Can be set to automatically renew.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 32-89 Days. Early withdrawal penalty: 1 Month | 3.25% | $0 |
| 6 monthsEarly withdrawal penalty: 1 Month | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty: 3 Months | 4.20% | $420 |
| 18 monthsEarly withdrawal penalty: 3 Months | 4.20% | $637 |
| 24 monthsEarly withdrawal penalty: 6 Months | 4.25% | $868 |
| 30 monthsEarly withdrawal penalty: 6 Months | 4.25% | $1,097 |
| 36 monthsEarly withdrawal penalty: 9 Months | 4.25% | $1,330 |
| 48 monthsEarly withdrawal penalty: 12 Months | 4.35% | $1,857 |
| 60 monthsEarly withdrawal penalty: 12 Months | 4.50% | $2,462 |
Sources (2)
All captured Oct 15, 2026
Personal Liquid CD
2.00%APY
Allows one free withdrawal per quarter; $50 fee per additional withdrawal. Unlimited deposits allowed (minimum $500 per deposit).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 2.00% | $200 |
| $50,000 – $100,000 | 3.00% | — |
| $100,000 – $250,000 | 3.25% | — |
| $250,000 – $500,000 | 3.75% | — |
| $500,000 – $1,000,000 | 4.00% | — |
| $1,000,000 and up | 4.25% | — |
Sources (2)
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.