Certificates of Deposit

Certificates of Deposit are a smart addition to your investment portfolio.

  • The security of a fixed return
  • Choose the term that meets your needs
  • FDIC insured.1

Min. Opening Deposit

  • $1,000

Interest Paid

Minimum Balance

  • N/A

Monthly Service Charge

  • N/A


  • We offer terms from 3 months to five years2 — View rates
    • Longer terms offer potentially higher interest rates
    • Shorter terms mean quicker access to your funds

Check Writing Privileges

  • No


  • Funds cannot be added during the term and penalty for early withdrawal. Funds can be added or withdrawn at maturity.

Online Services

  • Free Online Banking (Commerce checking or savings account required)
  • Access electronic copies of your 1099 and certain other tax forms through Online Banking - View Tax Form FAQs
  • Order up to seven years of account statements and check images on CD-ROM

Apply online


  1. The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.

  2. Penalty for early withdrawal

    Deposit Agreement & Disclosures