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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Commerce Bank & Trust Rates & Review April 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: April 11, 2026
Commerce Bank & Trust's 7-Month CD rates are at 3.50%, 12-Month CD rates are at 3.25%, 18-Month CD rates are at 3.25%, 9-Month CD rates are at 3.25%, 24-Month CD rates are at 3.00%. MonitorBankRates evaluates the financial stability of Commerce Bank & Trust with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/11/2026. Commerce Bank & Trust 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? Share your experience about Commerce Bank & Trust by leaving a review below, or read customer reviews before you decide to use Commerce Bank & Trust. 
Commerce Bank & Trust CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Commerce Bank & Trust 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 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's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Commerce Bank & Trust
Bank Holding Company
FLORIDA CMTY BANKSHARES INC
Address
1603 Southwest 19th Avenue,
Ocala, FL 34471 · Marion
Website
https://www.cbtfl.com
FDIC Certificate #
34683
Established
04/02/1998
FDIC Insurance Date
04/02/1998
Domestic Offices
11
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9257%
Return on Equity (ROE)
10.3200%
Non-Performing Loans (NPL)
0.00%
Total Assets
$743,628,000
Total Deposits
$673,001,000
Equity Capital
$67,379,000
Net Income
$5,157,000
Headquarters
Ocala
Total Offices
11
Source: FDIC | Last Updated 09/30/2019
Frequently Asked Questions About Commerce Bank & TrustIs Commerce Bank & Trust a safe place to deposit money?Yes, Commerce Bank & Trust is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Commerce Bank & Trust operate?Commerce Bank & Trust currently maintains approximately multiple 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 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 provides members with tools to manage their accounts and build a solid financial history. Does Commerce Bank & Trust offer online and mobile banking?Most modern institutions like Commerce Bank & Trust 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.cbtfl.com. Current Commerce Bank & Trust Rates
Retrieved from our database of financial products. Rates subject to change.
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