Winter Park Downtown Park Ave
Personal Banking | CDs

Certificates of Deposit That Help Your Savings Grow

You've worked hard for your money. Now, let it work for you. Whether you're planning a renovation, building a reserve for a life transition or simply seeking a place to park your funds, a Certificate of Deposit (CD) from Commerce Bank & Trust provides fixed returns and a clear finish line.

Simple. Predictable. Exactly what a CD should be.

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Smart Planning

Why Winter Park Chooses Commerce Bank & Trust

While the markets fluctuate, your goals shouldn’t have to. Our CDs are designed for clients who value smart planning, both short and long-term.

Fixed Rates

Lock in your return for the entire term.

Accessible Entry

Start growing your wealth with a minimum deposit of $500.

Local Roots

Decisions are made right here in Winter Park.

Maximum Protection

FDIC-insured with IntraFi-CDARS available for balances that exceed coverage limits.

Flexible Terms

Choose the Term That Fits Your Timeline

CD Type
Short-Term
Long-Term
IRA CDs
IntraFi-CDARS
Best For
(Less than 1 Year)
(1-5 Years)
Variable Terms
High Balance
Benefit
Staying nimble while earning more than a standard savings account.
Maximizing steady growth for your future.
Pairing the security of a CD with the tax advantages of an IRA.
FDIC insurance coverage exceeding standard limits available through a single bank relationship.
Interest rates are set locally. Call (407) 622-8181 or stop by the Winter Park office for today's terms. Fees and balance requirements shown are current as of the account disclosure provided at opening. Member FDIC.

Simple Process

How It Works

  • Open and Deposit: Choose your term and deposit your funds (minimum $500).
  • Earn with Confidence: Your money earns guaranteed interest until maturity. No guesswork, no market swings.
  • Maturity: When the term ends, withdraw your earnings or roll them into a new CD to keep the momentum going.

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 View Today's Rates