Personal Deposit Rates

Rates are effective as of June 1, 2021

Bump Up Certificate of Deposit†*^

Term Interest Rate APY*
   3 Years  0.45% 0.45%

Certificate of Deposit and Individual Retirement Account†*

Term Interest Rate APY*
3 Months 0.15%  0.15%
6 Months 0.20% 0.20%
1 Year 0.30% 0.30%
2 Years 0.40% 0.40%
3 Years 0.50% 0.50%
4 Years 0.60% 0.60%
5 Years 0.80% 0.80%

Checking

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Minimum Balance to Obtain APY Interest Rate APY*
Best Interest Checking

$0.00 to $25,000.00 (Qualifications are met) 1.00% 1.01%
$25,000.01 and above (Qualifications are met) 0.05% 0.05%
Paid on account balance (Qualifications are not met) 0.01% 0.01%
Incentive Checking

$0.01 to $4,999.99 0.02% 0.02%
$5,000.00 to $14,999.00 0.05% 0.05%
$15,000.00 and over 0.10% 0.10%

High Yield Index Savings†<

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Minimum Balance to Obtain APY Interest Rate APY*
$0.01 to $24,999.99 0.05% 0.05%
$25,000.00 to $99,999.99 0.10% 0.10%
$100,000.00 to $499,999.99 0.20% 0.20%
$500,000.00 to $999,999.99 0.30% 0.30%
$1,000,000.00 and over 0.45% 0.45%

Savings

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Minimum Balance to Obtain APY Interest Rate APY*
Money Market

$0.01 to $9,999.99 0.05% 0.05%
$10,000.00 to $24,999.99 0.05% 0.05%
$25,000.00 to $99,999.99 0.05% 0.05%
$100,000.00 to $499,999.99  0.10% 0.10%
$500,000.00 to $999,999.99  0.10% 0.10%
$1,000,000.00 and over 0.15% 0.15%
Money Market with Bonus~

$0.01 to $9,999.99 0.25% 0.25%
$10,000.00 to $24,999.99 0.25% 0.25%
$25,000.00 to $99,999.99 0.25% 0.25%
$100,000.00 to $499,999.99  0.30% 0.30%
$500,000.00 to $999,999.99  0.30% 0.30%
$1,000,000.00 and over 0.35% 0.35%
Savings

$0.01 to $1,999.99 0.01% 0.01%
$2,000.00 to $4,999.99 0.02% 0.02%
$5,000.00 to $9,999.99 0.02% 0.02%
$10,000.00 to $24,999.99 0.05% 0.05%
$25,000.00 to over 0.05% 0.05%

Health Savings

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Minimum Balance to Obtain APY Interest Rate APY*
$0.01 to $1,999.99 0.01% 0.01%
$2,000.00 to $4,999.99 0.02% 0.02%
$5,000.00 to $9,999.99 0.02% 0.02%
$10,000.00 to $24,999.99 0.05% 0.05%
$25,000.00 to over 0.05% 0.05%

+The interest rates and Annual Percentage Yields (APYs) listed in this deposit rate sheet are effective as of the date shown above. We may at our discretion change each interest rate and APY at any time without notice. Interest for all Checking, Savings and Money Market accounts will be compounded and credited monthly. Certificate of Deposit/IRA interest is compounded annually. Interest is paid annually and when the CD matures. Fees could reduce earnings on any account. A penalty is also imposed for early withdrawal from a CD/IRA.

**At least ten (10) posted and cleared debit card purchase transactions (debit card Point of Sale (POS) transactions do not include ATM withdrawals), and at least one (1) posted and cleared direct deposit or bill pay.

^ Option to trade up one time only during the initial term. Rate change option is based on the published rate for the current standard term of the original CD. Not valid for brokerage deposits, institutional investors, or in conjunction with other promotional offers.

*Consult your tax professional for more information on contribution limits and deductibility.

< The $0.01 - $24,999.99 tier is not indexed. All tiers $25,000 and over are indexed to Federal Funds Target Rate – Upper Bound published by Bloomberg. The rate is updated on the first business day of each month using the Federal Funds Target Rate – Upper Bound as of the last business day of the preceding month. The tiers indexed are based on the Federal Funds Rate minus the Rate Adjuster. The Rate Adjuster for $25,000 - $99,999.99 tier is the index -.65%; $100,000 - $499,999.99 tier is the index -.45%; $500,000 - $999,999.99 tier is the index -.25%; and $1,000,000 and over tier is the index -.10%. Minimum Variable Rate is the minimum interest rate which could be credited to your account: 0.10% Minimum Variable Rate on $25,000 - $99,999.99 balances, 0.20% Minimum Variable Rate on $100,000 - $499,999.99 balances, 0.30% Minimum Variable Rate on $500,000 - $999,999.99 balances, 0.45% Minimum Variable Rate on $1,000,000 and over balances. 

Valid on Personal, Business, and Municipal Accounts only. No debit card with High Yield Index Savings Accounts.

~Qualified accounts include: Personal CDs, Personal Bump-Up CDs, Commerce IRA CDs, Commerce Choice Money Market, High Yield Index Savings, and Commerce Savings.