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Commerce Bank & Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cbt-fl.com
407-622-8181
1201 South Orlando Avenue
Winter Park, FL 32789

Commerce Bank & Trust is headquartered in WINTER PARK and is the 74th largest bank in the state of Florida. It is also the 3,258th largest bank in the nation. It was established in 2003 and as of December of 2024, it had grown to 21 employees at 1 location. Commerce Bank & Trust's CD rates are 4X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #57429
Year Established2003
Employees21
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD10.83%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$172MM$167.2MM
LoansQ4 2024vs Q4 2023$122.3MM$113.5MM
DepositsQ4 2024vs Q4 2023$154.5MM$150.5MM
Equity CapitalQ4 2024vs Q4 2023$10.5MM$9.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.8MM$1.8MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$0$0
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Commerce Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Commerce Bank & Trust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Personal Savings
0.05%$0-Youth Savings
0.05%$0-Business Savings
0.05%$0-Health Savings Account - Checking

Commerce Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$1m*-Business Money Market
OTHER TIERS: 0.25% → $0 - $250k | 1.26% → $250k - $500k | 1.51% → $500k - $750k | 1.77% → $750k - $1m
0.08%$0-Personal Money Market

Commerce Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Business Interest Checking
0.05%$0-Personal Interest Checking (Premier Checking)

Commerce Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$500-180 day CD
3.50%$500-12 Month CD
3.50%$500-9 month CD
3.00%$500-18 Month CD
3.00%$500-24 Month CD
3.00%$500-36 Month CD
3.00%$500-48 Month CD
3.00%$500-60 Month CD
3.00%$500-90 Day CD

Commerce Bank & Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$500-180 Day IRA
3.50%$500-12 Month IRA
3.50%$500-9 Month IRA
3.00%$500-18 Month IRA
3.00%$500-24 Month IRA
3.00%$500-36 Month IRA
3.00%$500-48 Month IRA
3.00%$500-60 Month IRA
0.05%$0-IRA Savings
Locations


Commerce Bank & Trust Locations
Commerce National Bank & Trust1201 S Orlando AveWinter Park, FL 32789

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