What are the current interest rates at CIBC?

Current rates for CIBC include: 12-Month CD: 4.00%, 18-Month CD: 4.15%, 24-Month CD: 3.00%, Savings: 3.52%

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CIBC Rates & Review July 2026

Q: How many branches does CIBC operate?

CIBC currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, CIBC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CIBC provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 11, 2026

CIBC's 18-Months 18-month CD rates are at 4.15%, 18-Month AgilityTM Certificate of Deposit (CD) rates are at 4.15%, 12-Months 12-month CD rates are at 4.00%, 13-Months 13-month CD rates are at 4.00%, 9-Months 9-month CD rates are at 3.90%. CIBC's savings rates are at 3.52%. MonitorBankRates evaluates the financial stability of CIBC with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates were last updated on 07/11/2026.

CIBC money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CIBC? Share your experience about CIBC by leaving a review below, or read customer reviews before you decide to use CIBC.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.97%

Excellent Lower than avg

CIBC Bank USA

120 S La Salle St
Chicago, IL 60603

https://us.cibc.com

CIBC CD Rates

Product	Rate	APY	Term
18-month CD	-	4.15%	18 months
Min Deposit $1,000 Details Featured rate. Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
18 month AgilityTM Certificate of Deposit (CD)	-	4.15%	18 month
Min Deposit $1,000 Min Balance $1,000 Details The 4.15% APY is available for an 18 month Certificate of Deposit. The opening deposit cannot exceed $5,000,000. We may impose a 30-day simple interest penalty if you withdraw any or all of your principal balance before maturity. Fees could reduce earnings on the account. Offer is subject to change and may be withdrawn at any time without notice. This account is available online only. To be eligible for an account, all applicants must have a current U.S. home address (includes Puerto Rico, but excludes other U.S. Territories). Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
12-month CD	-	4.00%	12 months
Min Deposit $1,000 Details Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
13-month CD	-	4.00%	13 months
Min Deposit $1,000 Details Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
9-month CD	-	3.90%	9 months
Min Deposit $1,000 Details Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
6-month CD	-	3.56%	6 months
Min Deposit $1,000 Details Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
24-month CD	-	3.00%	24 months
Min Deposit $1,000 Details Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
30-month CD	-	3.00%	30 months
Min Deposit $1,000 Details Online Only. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

CIBC Savings Rates

Product	Rate	APY	View More
AgilityTM High-Interest Savings Account	-	3.52%
Min Balance $0 Details This is a variable rate account and the interest rate and APY can change at any time without notice. The minimum opening deposit is $1,000 but cannot exceed $250,000. As of February 18, 2026, deposits that would bring the total balance in your Account to more than $1,000,000 are not permitted. We reserve the right to refuse or return additional deposits that would cause your balance to exceed this $1,000,000 limit. Business days and effective dates of deposit are defined in the Consumer Deposit Account Agreement. Fees or withdrawals will reduce earnings. Offer is subject to change, and may be withdrawn, at any time without notice. This account is available online only. Withdrawals can be made by: External transfer to an account owned by you at another U.S. financial institution. Transfer limitations apply. External transfers using CIBC US Online Banking will not be available for the first 30 days from the date an Account is opened. Written request for a check to be issued to all holders of the Account. Internal transfer to another account at CIBC (only for existing account holders of CIBCBank USA). Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

CIBC Checking Rates

Product	Rate	APY	View More
myChoice Prestige Checking Account	-	0.10%
Min Balance $10,000 Details The myChoice Prestige Checking Account is a variable rate account. At our discretion, we may change the interest rate and Annual Percentage Yield (APY) at any time without notice after the account is opened. Fees or withdrawals will reduce earnings. Non-CIBC ATM fees charged to your account are reimbursed up to $50 for iCan Checking and myChoice Prestige Checking Account holders, after the fee is charged. A dormant account fee of $5.00 per month, maximum $60 annually, may be charged if there has been no customer contact or transaction activity on your checking account for 24 months. For a complete listing of fees, please refer to the Fee Schedule for Consumer Accounts. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CIBC is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CIBC rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CIBC's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CIBC

Bank Holding Company CANADIAN IMPERIAL BK OF COM

Address 120 S La Salle St, Chicago, IL 60603 · Cook

Website https://us.cibc.com

FDIC Certificate # 33306

Established 02/06/1991

FDIC Insurance Date 02/06/1991

Domestic Offices 23

Total Branches 20

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7207%

Return on Equity (ROE) 10.3800%

Non-Performing Loans (NPL) 0.41%

Total Assets $63,978,350,000

Total Deposits $50,773,784,000

Equity Capital $11,175,461,000

Net Income $906,179,000

Headquarters Chicago

Total Branches and Offices 23

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About CIBC

How many branches does CIBC operate?

CIBC currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CIBC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CIBC provides members with tools to manage their accounts and build a solid financial history.

Does CIBC offer online and mobile banking?

Most modern institutions like CIBC provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://us.cibc.com.