What are the current interest rates at Commerce Bank & Trust Winter Park, FL?

Current rates for Commerce Bank & Trust Winter Park, FL include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, 36-Month CD: 3.66%, 48-Month CD: 3.66%, 60-Month CD: 3.66%

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Commerce Bank & Trust Winter Park, FL

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Commerce Bank & Trust Winter Park, FL Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commerce Bank & Trust Winter Park, FL 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 and Verified: September 19, 2026

Commerce Bank & Trust Winter Park, FL's 36-Month CD rates are at 3.66%, 48-Month CD rates are at 3.66%, 60-Month CD rates are at 3.66%, 24-Month CD rates are at 3.50%, 12-Month CD rates are at 3.25%. MonitorBankRates evaluates the financial stability of Commerce Bank & Trust Winter Park, FL with a 3.7 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 30.17%. Rates last updated and verified on 09/19/2026.

Commerce Bank & Trust Winter Park, FL 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 Commerce Bank & Trust Winter Park, FL? Share your experience about Commerce Bank & Trust Winter Park, FL by leaving a review below, or read customer reviews before you decide to use Commerce Bank & Trust Winter Park, FL.

Overall Health & Safety Grade

C-

Below Average Health Score: 72/100

MonitorBankRates Rating

3.7

Very Good Out of 5.0 Stars

Texas Ratio

30.17%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Commerce Bank & Trust

1201 S Orlando Ave
Winter Park, FL 32789

https://www.cbt-fl.com

Commerce Bank & Trust Winter Park, FL CD Rates

Product	Rate	APY	Term
36 month CD	3.59%	3.66%	36 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
48 month CD	3.59%	3.66%	48 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
60 month CD	3.59%	3.66%	60 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
24 month CD	3.44%	3.50%	24 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
12 month CD	3.20%	3.25%	12 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
18 month CD	3.20%	3.25%	18 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
180 day CD	3.20%	3.25%	180 day
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
7 month CD	3.20%	3.25%	7 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
9 month CD	3.20%	3.25%	9 month
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%
90 day CD	2.71%	2.75%	90 day
Min Deposit $500 Details Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 09/19/2026 Institution Ratings 3.7 Star Rating C- Health Grade ◈ Texas Ratio: 30.17%

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.
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Financial Health History

Commerce Bank & Trust Winter Park, FL’s Texas Ratio rose from 0.00% in Q3 2023 to 30.17% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 2.8 to 3.7 and its Health Grade from C+ to C-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$198M	30.17%	3.7	C-
March 31, 2026	$179M	20.58%	4.5	B
December 31, 2025	$189M	20.75%	4.5	B
September 30, 2025	$176M	19.05%	4.7	B+
June 30, 2025	$169M	19.04%	4.7	B+
March 31, 2025	$170M	0.00%	5.0	A+
December 31, 2024	$172M	0.00%	4.1	A-
September 30, 2024	$172M	0.00%	4.5	A
June 30, 2024	$173M	0.00%	3.8	B+
March 31, 2024	$178M	0.00%	3.6	B
December 31, 2023	$167M	0.00%	3.9	B+
September 30, 2023	$167M	0.00%	2.8	C+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Commerce Bank & Trust Winter Park, FL 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 Commerce Bank & Trust Winter Park, FL 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 Commerce Bank & Trust Winter Park, FL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Commerce Bank & Trust Winter Park, FL

Bank Holding Company COMMERCE NATL BANKSHARES FL

Address 1201 S Orlando Ave, Winter Park, FL 32789 · Orange

Website https://www.cbt-fl.com

FDIC Certificate # 57429

Established 20030203

FDIC Insurance Date 20030203

Domestic Offices 1

Total Branches 1

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C-

Overall Health Grade Score: 72/100

3.7

Very Good Out of 5.0 Stars

30.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9113%

Return on Equity (ROE) 12.1400%

Non-Performing Loans (NPL) 2.26%

Total Assets $197,945,000

Total Deposits $168,773,000

Equity Capital $14,803,000

Net Income $860,000

Headquarters Winter Park

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Commerce Bank & Trust Winter Park, FL

How many branches does Commerce Bank & Trust Winter Park, FL operate?

Commerce Bank & Trust Winter Park, FL currently maintains approximately 1 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, Commerce Bank & Trust Winter Park, FL 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, Commerce Bank & Trust Winter Park, FL provides members with tools to manage their accounts and build a solid financial history.

Does Commerce Bank & Trust Winter Park, FL offer online and mobile banking?

Most modern institutions like Commerce Bank & Trust Winter Park, FL 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://www.cbt-fl.com.