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 Commerce Bank & Trust Winter Park, FL Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 31, 2026
Commerce Bank & Trust Winter Park, FL's 18-Month CD rates are at 4.00%, 24-Month CD rates are at 4.00%, 12-Month CD rates are at 3.75%, 36-Month CD rates are at 3.70%, 48-Month CD rates are at 3.70%. Commerce Bank & Trust Winter Park, FL's money market rates are at 2.02%. Commerce Bank & Trust Winter Park, FL's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a C- health rating. 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 10/31/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Commerce Bank & Trust Winter Park, FL CD Rates
Commerce Bank & Trust Winter Park, FL Business Money Market Rates
Financial Health HistoryCommerce 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Bank Name
Commerce Bank & Trust Winter Park, FL
Website
https://www.cbt-fl.com
Address
1201 S Orlando Ave,
Winter Park, FL 32789 · Orange
Bank Holding Company
COMMERCE NATL BANKSHARES FL
FDIC Certificate #
57429
Regulator
FED
Established
February 3, 2003
FDIC Insurance Date
February 3, 2003
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.7 / 5.0 ★
Overall Health & Safety Grade
C- (72/100)
Texas Ratio
30.17%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9113%
Return on Equity (ROE)
12.1400%
Non-Performing Loans Ratio (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 June 30, 2026
Customer Reviews
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Add Your Rating and Review for Commerce Bank & Trust Winter Park, FL
Frequently Asked Questions About Commerce Bank & Trust Winter Park, FLDoes Commerce Bank & Trust Winter Park, FL offer CDs?Yes. Commerce Bank & Trust Winter Park, FL current CD rates include its 18-Month CD at 4.00% APY, its 24-Month CD at 4.00% APY and its 12-Month CD at 3.75% APY, verified by MonitorBankRates as of October 31, 2026. Are CDs from Commerce Bank & Trust Winter Park, FL FDIC insured?Yes. Commerce Bank & Trust Winter Park, FL is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Commerce Bank & Trust Winter Park, FL?The highest Commerce Bank & Trust Winter Park, FL CD rate is its 18-Month CD at 4.00% APY, verified by MonitorBankRates as of October 31, 2026. What CD terms does Commerce Bank & Trust Winter Park, FL offer?Commerce Bank & Trust Winter Park, FL CD rates are 3.75% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 3.70% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Commerce Bank & Trust Winter Park, FL for its full lineup. What is the highest money market rate at Commerce Bank & Trust Winter Park, FL?The highest Commerce Bank & Trust Winter Park, FL money market rate is its Business Money Market at 2.02% APY, verified by MonitorBankRates as of October 31, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Commerce Bank & Trust Winter Park, FL rates compare?Commerce Bank & Trust Winter Park, FL's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a C- health rating. Commerce Bank & Trust Winter Park, FL's top rates are its 18-Months 18-Month CD at 4.00% APY and its Business Money Market at 2.02% APY, verified by MonitorBankRates on October 31, 2026. Current Commerce Bank & Trust Winter Park, FL Rates
Retrieved from our database of financial products. Rates subject to change.
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