What are the current interest rates at Commercial Bank Saint Louis, MO?

Current rates for Commercial Bank Saint Louis, MO include: 12-Month CD: 2.78%, 24-Month CD: 2.78%, 36-Month CD: 2.78%, 48-Month CD: 3.03%, 60-Month CD: 3.29%, Savings: 0.30%, MMA: 0.10%

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Commercial Bank Saint Louis, MO

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Commercial Bank Saint Louis, MO Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commercial Bank Saint Louis, MO 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

Commercial Bank Saint Louis, MO's 24-Month OASIS SPECIALS CERTIFICATES OF DEPOSIT rates are at 4.16%, 11-Month OASIS SPECIALS CERTIFICATES OF DEPOSIT rates are at 4.11%, SIMPLIFIED EMPLOYEE PENSION (SEP) IRA - 9-Month rates are at 4.06%, OASIS SPECIALS CERTIFICATES OF DEPOSIT - 15-Month rates are at 3.91%, SIMPLIFIED EMPLOYEE PENSION (SEP) IRA - 2 Year rates are at 3.91%. Commercial Bank Saint Louis, MO's savings rates are at 0.30%. Commercial Bank Saint Louis, MO's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Commercial Bank Saint Louis, MO with a 3.5 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 12.91%. Rates last updated and verified on 09/19/2026.

Commercial Bank Saint Louis, MO 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 Commercial Bank Saint Louis, MO? Share your experience about Commercial Bank Saint Louis, MO by leaving a review below, or read customer reviews before you decide to use Commercial Bank Saint Louis, MO.

Overall Health & Safety Grade

C+

Fair Health Score: 78/100

MonitorBankRates Rating

3.5

Good Out of 5.0 Stars

Texas Ratio

12.91%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Commercial Bank

2330 West Port Plaza Dr
Saint Louis, MO 63146

https://www.mycbstl.bank

Commercial Bank Saint Louis, MO CD Rates

Product	Rate	APY	Term
24 Month OASIS SPECIALS CERTIFICATES OF DEPOSIT	4.10%	4.16%	24 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
11 Month OASIS SPECIALS CERTIFICATES OF DEPOSIT	4.05%	4.11%	11 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
SIMPLIFIED EMPLOYEE PENSION (SEP) IRA - 9 Month	4.00%	4.06%	9 Month
Min Deposit $1,000 Details New Money Only Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
OASIS SPECIALS CERTIFICATES OF DEPOSIT - 15 Month	3.85%	3.91%	15 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
SIMPLIFIED EMPLOYEE PENSION (SEP) IRA - 2 Year	3.85%	3.91%	2 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
7 Month OASIS SPECIALS CERTIFICATES OF DEPOSIT	3.75%	3.80%	7 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
5 Year CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	3.25%	3.29%	5 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
4 Year CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	3.00%	3.03%	4 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
1 Year CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	2.75%	2.78%	1 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
2 Year CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	2.75%	2.78%	2 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
3 Year CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	2.75%	2.78%	3 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
182 - 364 Day CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	2.00%	2.02%	182 - 364 Days
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 182 - 364 Days	2.00%	2.02%	182 - 364 Days
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
14 - 90 Day CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	0.50%	0.50%	14 - 90 Days
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
91 - 181 Day CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)	0.50%	0.50%	91 - 181 Days
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 14 - 90 Days	0.50%	0.50%	14 - 90 Days
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 91 - 181 Days	0.50%	0.50%	91 - 181 Days
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%

Commercial Bank Saint Louis, MO Savings Rates

Product	Rate	APY
UTMA CUSTODIAL SAVINGS	2.50%	2.52%
Details Rate only valid on Savings accounts that adhere to the requirements of the "Missouri Transfers to Minors Law" Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
PERSONAL SAVINGS	0.50%	0.50%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS SAVINGS	0.30%	0.30%
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%

Commercial Bank Saint Louis, MO Money Market Rates

Product	Rate	APY
PERSONAL MONEY MARKET	0.75%	0.75%
Min Deposit $100 Min Balance $100,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS MONEY MARKET	0.70%	0.70%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS MONEY MARKET	0.50%	0.50%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
PERSONAL MONEY MARKET	0.50%	0.50%
Min Deposit $100 Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS MONEY MARKET	0.25%	0.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
PERSONAL MONEY MARKET	0.25%	0.25%
Min Deposit $100 Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS MONEY MARKET	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
PERSONAL MONEY MARKET	0.10%	0.10%
Min Deposit $100 Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%

Commercial Bank Saint Louis, MO Checking Rates

Product	Rate	APY
BUSINESS ELITE CHECKING	0.40%	0.40%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%

Commercial Bank Saint Louis, MO Other Rates

Product	Rate	Points	APY/APR	Term
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 1 Year	2.75%	-	2.78%	1 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 2 Year	2.75%	-	2.78%	2 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 3 Year	2.75%	-	2.78%	3 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 4 Year	3.00%	-	3.03%	4 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) - 5 Year	3.25%	-	3.29%	5 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
HEALTH SAVING ACCOUNT (HSA's)	0.65%	-	0.65%
Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
HEALTH SAVING ACCOUNT (HSA's)	1.00%	-	1.00%
Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
KASASA CASH CHECKING	4.41%	-	4.50%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances of $25,000.01 and over Pays 0.50% 4.50% to 1.50% Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
KASASA CASH CHECKING	0.10%	-	0.10%
Min Deposit $100 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; All Balances, if qualifications are not met Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
Kasasa Cash Checking	4.41%	-	4.50%
Details Qualifications Required: 1 ACH credit or ACH payment transaction; 12 debit card purchases of $1.00 or more each; Be enrolled in and have agreed to receive e-statements rather than paper statements; Interest-bearing; Refunds on ATM withdrawal fees, nationwide (up to $25 every month!); Daily Balances up to and including $25,000 earn a variable interest rate of 4.41% with an APY of 4.50%; daily balances over $25,000 earn a variable interest rate of 0.50% with APY range of 4.50% - 1.50%; When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
Kasasa Cash Checking	0.10%	-	0.10%
Details When Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.10% resulting in an annual percentage yield of 0.10% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
KASASA SAVER Account Savings	1.98%	-	2.00%
Min Balance $50,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances of $50,000.01 and over Pays 1.00% 2.00% to 1.49% Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
KASASA SAVER Account Savings	0.10%	-	0.10%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; All Balances, if qualifications are not met Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
OASIS EVERYDAY	0.10%	-	0.10%
Min Deposit $100 Min Balance $5,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
OASIS EVERYDAY	0.15%	-	0.15%
Min Deposit $100 Min Balance $5,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
OASIS EVERYDAY	0.35%	-	0.35%
Min Deposit $100 Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
OASIS SPECIALS CERTIFICATES OF DEPOSIT - 7 Month	3.75%	-	3.80%	7 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%
TRADITIONAL & ROTH IRA'S	3.90%	-	3.96%	2 Year
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 3.5 Star Rating C+ Health Grade ◈ Texas Ratio: 12.91%

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

Commercial Bank Saint Louis, MO’s Texas Ratio rose from 9.94% in Q3 2023 to 12.91% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 3.5 and its Health Grade from F 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	$283M	12.91%	3.5	C+
March 31, 2026	$277M	12.55%	3.5	C+
December 31, 2025	$278M	12.17%	3.4	C+
September 30, 2025	$275M	8.57%	3.2	C+
June 30, 2025	$285M	10.00%	2.7	C-
March 31, 2025	$281M	7.35%	2.4	C-
December 31, 2024	$270M	6.55%	2.0	D
September 30, 2024	$282M	6.43%	2.7	C
June 30, 2024	$281M	8.25%	1.8	D
March 31, 2024	$284M	9.15%	1.7	D
December 31, 2023	$287M	7.59%	1.9	D
September 30, 2023	$283M	9.94%	1.0	F

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 Commercial Bank Saint Louis, MO 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 Commercial Bank Saint Louis, MO 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 Commercial Bank Saint Louis, MO's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Commercial Bank Saint Louis, MO

Bank Holding Company COMMERCIAL BANCSHARES INC

Address 2330 West Port Plaza Dr, Saint Louis, MO 63146 · St. Louis

Website https://www.mycbstl.bank

FDIC Certificate # 27409

Established 19881221

FDIC Insurance Date 19881221

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 78/100

3.5

Good Out of 5.0 Stars

12.91%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4644%

Return on Equity (ROE) 8.5100%

Non-Performing Loans (NPL) 0.70%

Total Assets $282,924,000

Total Deposits $246,468,000

Equity Capital $15,426,000

Net Income $649,000

Headquarters Saint Louis

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Commercial Bank Saint Louis, MO

How many branches does Commercial Bank Saint Louis, MO operate?

Commercial Bank Saint Louis, MO currently maintains approximately 4 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, Commercial Bank Saint Louis, MO 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, Commercial Bank Saint Louis, MO provides members with tools to manage their accounts and build a solid financial history.

Does Commercial Bank Saint Louis, MO offer online and mobile banking?

Most modern institutions like Commercial Bank Saint Louis, MO 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.mycbstl.bank.