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Commerce Bank & Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 2/7/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
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 3,247th largest bank in the nation. It was established in 2003 and as of September 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 Q3 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #57429
Year Established2003
Employees21
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD10.85%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$172.4MM$167.2MM
LoansQ3 2024vs Q3 2023$126.1MM$110.7MM
DepositsQ3 2024vs Q3 2023$156.3MM$150.9MM
Equity CapitalQ3 2024vs Q3 2023$11.3MM$8.1MM
Loan Loss AllowanceQ3 2024vs Q3 2023$1.8MM$1.8MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$0$0
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 2/7/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Rates
Skip to rates for:
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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-IRA 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
Locations


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

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