Investment Savings

Our Investment Savings Account pays you more as your balance grows.

  • Competitive money market rate

  • FDIC insured1

  • Balances greater than $1,000 may earn a higher interest rate

  • Open an account with just $100

  • Min. Opening Deposit


  • Interest Paid

    • Compounded Monthly2View Rates
    • Interest rate may increase on balances greater than $1,000

  • Minimum Balance

    $500 daily balance3 OR $1,000 average daily balance4 each month OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more5

  • Monthly Service Charge

    $6 (if balance not met)

  • Check Writing Privileges

    Yes; Up to 6 checks per month

  • Transactions

    • Up to 6 withdrawals or transfers per month
    • Free access to funds through any Commerce ATM, our 24-hour Account Information Line and Online Banking

  • Online Services

    • Free Online Banking
    • Access electronic copies of your 1099 and certain other tax forms through Online Banking
    • Order up to seven years of account statements and check images on CD-ROM

  • Statement Options

    • Paperless Statement - Free
    • Paperless Statement with images - $1 per month
    • Paper Statement - $3 per month
    • Paper Statement with images - $4 per month


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

  2. Interest is compounded monthly and credited to your account at the end of the monthly statement cycle. A minimum $100 balance is required each day to earn interest. Interest does not accrue on days when your ending balance falls below $100.

  3. Daily balance means ending ledger balance in the account each day. You must maintain the $500 minimum daily balance every day of a month to avoid a service charge.

  4. Average daily balance is calculated by adding the ending ledger balance in the account each day of the monthly cycle and dividing that sum by the number of days in the cycle. You must maintain a minimum $1,000 average daily balance for the month to avoid a service charge.

  5. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.

Deposit Agreement & Disclosures