CDs and IRAs
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CDs & IRAs.
Certificates of Deposits (CDs)
A certificate of deposit (CD) is a type of savings account that restricts your access to the money you invest but offers much higher interest rates than those associated with regular savings accounts. Certificate of Deposit terms range from 90 days to 5 years. A $500 minimum deposit is required to open a certificate of deposit.
Commerce Bank & Trust offers a variety of terms and competitive rates.
Individual Retirement Accounts (IRAs)
An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. IRA deposits are generally made with pretax dollars; you usually get a tax deduction on your contribution and pay income tax when you withdraw the money from the account during retirement. IRA accounts are available through investments in regular deposit accounts and certificates of deposit accounts.
Certificate of Deposit Rates - Traditional and IRA
Rates effective as of 11/21/2024
Terms
Interest % Rate
Annual Percentage Yield APY
90 day CD (Non-IRA)
3.20%
3.25%
180 day CD
3.93%
4.00%
9 month CD
3.64%
3.70%
12 month CD
3.45%
3.50%
18 month CD
3.45%
3.50%
24 month CD
3.20%
3.25%
36 month CD
2.96%
3.00%
48 month CD
2.96%
3.00%
60 month CD
2.96%
3.00%
See more Personal Services
Personal Checking
We offer several types of Personal Checking for all your needs.
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Personal Savings
Interest compounded daily. No minimum balance required to earn interest.
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Money Market
Higher interest than regular savings. FDIC insured.
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Safe Deposit Boxes
Secure storage for your valuables. Available in a variety of sizes.
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Home Loans
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Personal Loans
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Banking in the palm of your hand
With the CB&T mobile app, you have fast easy mobile access to your accounts.
View balances, make deposits, pay bills, transfer funds and view statements and more.
