Winter Park Downtown Park Ave
CD Rates in Winter Park

Your Money Deserves a Real Return

At Commerce Bank & Trust, we offer fixed-term CDs designed for clients who want predictable growth without market instability.

Simple. Predictable. Exactly what a CD should be.

Talk to a Local Banker See Rates

Certificate of Deposit Rates - Traditional and IRA

Rates effective as of 10/14/2026
Certificate of Deposit Accounts (CDs)¹ CDs¹
Interest Rates Rate
Annual Percentage Yield APY
90 day CD²*(Non-IRA)
Rate: 2.96%
APY: 3.00%
180 day CD²
Rate: 3.20%
APY: 3.25%
7 month CD²
Rate: 3.20%
APY: 3.25%
9 month CD²
Rate: 3.44%
APY: 3.50%
12 month CD²
Rate: 3.68%
APY: 3.75%
18 month CD²
Rate: 3.92%
APY: 4.00%
24 month CD²
Rate: 3.92%
APY: 4.00%
36 month CD²
Rate: 3.63%
APY: 3.70%
48 month CD²
Rate: 3.63%
APY: 3.70%
60 month CD²
Rate: 3.63%
APY: 3.70%
¹Traditional and IRA. ²A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Minimum opening deposit for a Certificate of Deposit is $500.00. *Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Strategy

Choosing the Right Term

The best CD isn’t always the one with the highest rate; it’s the one that matches your life.

  • The “Ladder” Strategy: Can’t decide? Split your deposit across multiple terms (e.g., 6, 12, and 24 months). This gives you periodic access to cash.
  • Retirement Focus: Many of our terms are available as IRA CDs, allowing you to combine fixed-rate safety with tax advantages.
  • High-Balance Security: For balances exceeding $250,000, ask us about IntraFi. We can provide multi-million dollar FDIC protection through a single relationship right here in Winter Park.

Community

Why Local Matters

At a national mega-bank, your deposit is just a data point in a global ledger. At Commerce Bank & Trust, your savings stay in our local community.

When you bank with us, you’re working with a leadership team that has deep roots in Central Florida. Every decision, from our interest rates to our community reinvestment, is made locally.

The Power of Local Banking

At a “Big Bank,” you’re nothing more than an account number. At Commerce Bank & Trust, you’re our friend and neighbor.

Founded by local leaders, we believe Winter Park deserves more than just a branch office. It deserves a partner.

When you open a CD with us, your deposits stay local, supporting the community we all call home.

Talk to a Local Banker More Information on CDs