Personal Savings

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Achieve a better financial position with our great rates. Our difference is your advantage.

High Yield Index Savings*

Benefits
  • Tiered interest rate based on account balance
  • Free Online Banking, Mobile Banking and eStatements
Qualifications
  • $50 Daily Minimum Balance
$5 monthly service charge if qualification is not met within the statement cycle.

Money Market

Benefits
  • Tiered interest rate based on account balance
  • Free Online Banking, Mobile Banking & eStatements 
  • Free Commerce State Bank logo checks#
Federal regulation limits pre-authorized withdrawals, telephone and internet transfers, and checks to six (6) per statement cycle. Additional fees may apply. 
Qualifications
  • $2,000 daily minimum balance or $8,000 average monthly balance or $50,000 minimum combined balance in Certificate of Deposit products

$10 monthly service charge if qualifications are not met within the statement cycle.
0.20% Interest Rate Bonus on a Linked Money Market Account when qualifications are met on a Personal Incentive Checking Account.~

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Savings*

Benefits
  • Tiered interest rate based on account balance
  • Free Online Banking, Mobile Banking & eStatements 
Qualifications
  • $50 daily minimum balance
$5 monthly service charge if qualification is not met within the statement cycle. Minor/WUTMA: Service charge waived until account owner is 18 years of age.

Certificate of Deposit & Individual Retirement Accounts ^*

Benefits
  • Terms available from 3 months to 5 years
  • Fixed interest rates
Qualifications
  • $5,000 minimum opening deposit 

Health Savings Account ^*

Benefits
  • Tiered interest rate based on account balance
  • Free Online Banking and eStatements 
  • Free Commerce State Bank logo checks#
  • No annual fee debit card 
Qualifications 
  • No minimum balance requirement

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#Limit one box of free Commerce State Bank logo checks annually.
^Consult a tax professional for more information on contribution limits and deductibility.
*Refer to the Deposit Account Terms and Conditions or Certificate of Deposit and Fee Schedule disclosure for more detailed information. Interest rates are subject to change without notice on savings accounts. Interest accrues daily and is paid monthly for savings accounts. Interest compounds annually and is paid annually and at maturity for Certificate of Deposit.  Minimum deposit to open accounts: $50 High Yield Index Savings, $2,000 Money Market, $50 Savings Accounts, $5,000 Certificate of Deposit and Individual Retirement Accounts, and no minimum deposit to open Health Savings Accounts.  The High Yield Index Savings 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 and the tiers indexed are based on the Federal Funds Rate minus the rate Adjuster. The Commerce State Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use Mobile app.
~You will receive an interest rate bump as a bonus on one Commerce Choice Money Market Account. To earn the bonus, you must maintain a minimum average checking balance of $2,500.00 AND a combined relationship balance of at least $50,000.00 in qualifying accounts: Personal CDs, Personal Bump-Up CDs, Commerce IRA CDs, Commerce Choice Money Market, High Yield Index Savings and Commerce Savings. Refer to the Truth in Savings Disclosure for more information.