Rates
Consumer
Product Minimum to
Deposit
Rate Annual Percentage
Yield (APY)
    Rates Effective February 28, 2014
Commerce Elite Checking(b)(c) $100.00 0.10% 0.10%
Commerce Complete Checking(b)(c) $100.00 0.10% 0.10%
Commerce Preferred Checking (b)(c) $100.00
   $1,000 - $9,999.99 0.05% 0.05%
   $10,000 - $24,999.99 0.10% 0.10%
   $25,000 - $99,999.99 0.20% 0.20%
   $100,000 and over 0.25% 0.25%
Health Savings Account $100.00 0.80% 0.80%
Commerce Money Market(b)(c) $1,000.00
   $0 - $9,999.99 0.10% 0.10%
   $10,000 - $14,999.99 0.20% 0.20%
   $15,000 - $49,999.99 0.25% 0.25%
   $50,000 and over 0.40% 0.40%
Commerce Elite Money Market(b)(c) $1,000.00
   $0 - $9,999.99 0.20% 0.20%
   $10,000 and over 0.40% 0.40%
Commerce Savings(b) $100.00 0.40% 0.40%
Commerce Minor Savings(b) $50.00 0.40% 0.40%
Business
Product Minimum to
Deposit
Rate Annual Percentage
Yield (APY)
    Rates Effective February 28, 2014
Business Interest Checking(b)(c) $100.00 0.10% 0.10%
IOLTA Checking $100.00 0.65% 0.65%
Commerce Preferred Business Checking (b)(c) $100.00
   $1,000 - $9,999.99 0.05% 0.05%
   $10,000 - $24,999.99 0.10% 0.10%
   $25,000 - $99,999.99 0.20% 0.20%
   $100,000 and over 0.25% 0.25%
Business Money Market(b)(c) $1,000.00
   $0 - $9,999.99 0.10% 0.10%
   $10,000 - $14,999.99 0.20% 0.20%
   $15,000 - $49,999.99 0.25% 0.25%
   $50,000 and over 0.40% 0.40%
Business Elite Money Market(b)(c) $1,000.00
   $0 - $9,999.99 0.20% 0.20%
   $10,000 and over 0.40% 0.40%
CDs
Product Minimum to
Deposit
Rate Annual Percentage
Yield (APY)
    Rates Effective February 28, 2014
Specials
12 Month CD (a) $1,000.00 0.65% 0.65%
24 Month Step Up CD (a) $1,000.00 0.85% 0.85%
7 - 29 Days CD (a) $1,000.00
   $0-$9,999.99 0.10% 0.10%
   $10,000-$49,999.99 0.20% 0.20%
   $50,000-$99,999.99 0.30% 0.30%
   $100,000 and over 0.50% 0.50%
1 - 5 Month CD (a) $1,000.00
   $0-$9,999.99 0.10% 0.10%
   $10,000-$49,999.99 0.30% 0.30%
   $50,000-$99,999.99 0.40% 0.40%
   $100,000 and over 0.65% 0.65%
6 - 11 Month CD (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.40% 0.40%
   $50,000-$99,999.99 0.50% 0.50%
   $100,000 and over 0.65% 0.65%
12 - 23 Month CD (a) $1,000.00
   $0-$9,999.99 0.65% 0.65%
   $10,000-$49,999.99 0.65% 0.65%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.65% 0.65%
24 - 35 Month CD (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.65% 0.65%
36 - 47 Month CD (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
48 - 59 Month CD (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
60 Month CD (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
IRA
Product Minimum to
Deposit
Rate Annual Percentage
Yield (APY)
    Rates Effective February 28, 2014
7 - 29 Days IRA (a) $1,000.00
   $0-$9,999.99 0.10% 0.10%
   $10,000-$49,999.99 0.20% 0.20%
   $50,000-$99,999.99 0.30% 0.30%
   $100,000 and over 0.50% 0.50%
1 - 5 Month IRA (a) $1,000.00
   $0-$9,999.99 0.10% 0.10%
   $10,000-$49,999.99 0.20% 0.20%
   $50,000-$99,999.99 0.40% 0.40%
   $100,000 and over 0.65% 0.65%
6 - 11 Month IRA (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.40% 0.40%
   $50,000-$99,999.99 0.50% 0.50%
   $100,000 and over 0.65% 0.65%
12 - 23 Month IRA (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
24 - 35 Month IRA (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
36 - 47 Month IRA (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
48 - 59 Month IRA (a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%
60 Month IRA(a) $1,000.00
   $0-$9,999.99 0.30% 0.30%
   $10,000-$49,999.99 0.50% 0.50%
   $50,000-$99,999.99 0.65% 0.65%
   $100,000 and over 0.70% 0.70%

(a) A penalty may be imposed for early withdrawal.

(b) The interest rate and annual percentage yield may change after account opening.

(c) Fees could reduce earnings on the account.

(d) No interest earned on balances less than $10,000.00.




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or email us at banker@bocnc.com
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