The Bank of Commerce (Idaho) CD Rates — October 2026
As of October 22, 2026, The Bank of Commerce (Idaho)'s highest tracked CD rate is 4.30% APY on an 18-month CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.00% to 4.30% APY.
Tracking began .
The Bank of Commerce (Idaho) CD rates
CDs from 90 days to 48 months with a $500 minimum to open; all certificates accept additional deposits. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | Certificate of Deposit | $500 | 3.00% | −1.29% | Verified October 22, 2026 |
| 180 days | Certificate of Deposit | $500 | 3.50% | −0.90% | Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $500 | 3.75% | −0.73% | Top 44% of tracked 9-month CDs · Verified October 22, 2026 |
| 11 months | Certificate of Deposit | $500 | 4.25% | −0.29% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 4.00% | −0.57% | Top 27% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 4.30% | −0.42% | Top 11% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 3.00% | −1.87% | Top 63% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 3.00% | −1.95% | Top 60% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 3.00% | −1.98% | Top 56% of tracked 48-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are The Bank of Commerce (Idaho)'s best CD rates by term?
The Bank of Commerce (Idaho)'s best rate is 4.30% APY on 18 months, verified October 22, 2026.
- 90 days3.00%
- 180 days3.50%
- 9 mo3.75%
- 11 mo4.25%
- 12 mo4.00%
- 18 mo4.30%
- 24 mo3.00%
- 36 mo3.00%
- 48 mo3.00%
How much interest could a The Bank of Commerce (Idaho) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$652.50 interest · $10,652.50 at maturity on $10,000.00.
4.30% APY · 18 months · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 90 days | $36.583.00% APY · Certificate of Deposit · Standard | $73.153.00% APY · Certificate of Deposit · Standard | $182.883.00% APY · Certificate of Deposit · Standard | $365.753.00% APY · Certificate of Deposit · Standard |
| 180 days | $85.553.50% APY · Certificate of Deposit · Standard | $171.103.50% APY · Certificate of Deposit · Standard | $427.753.50% APY · Certificate of Deposit · Standard | $855.493.50% APY · Certificate of Deposit · Standard |
| 9 months | $140.113.75% APY · Certificate of Deposit · Standard | $280.213.75% APY · Certificate of Deposit · Standard | $700.533.75% APY · Certificate of Deposit · Standard | $1,401.063.75% APY · Certificate of Deposit · Standard |
| 11 months | $194.704.25% APY · Certificate of Deposit · Standard | $389.404.25% APY · Certificate of Deposit · Standard | $973.494.25% APY · Certificate of Deposit · Standard | $1,946.994.25% APY · Certificate of Deposit · Standard |
| 12 months | $200.004.00% APY · Certificate of Deposit · Standard | $400.004.00% APY · Certificate of Deposit · Standard | $1,000.004.00% APY · Certificate of Deposit · Standard | $2,000.004.00% APY · Certificate of Deposit · Standard |
| 18 months | $326.254.30% APY · Certificate of Deposit · Standard | $652.504.30% APY · Certificate of Deposit · Standard | $1,631.254.30% APY · Certificate of Deposit · Standard | $3,262.504.30% APY · Certificate of Deposit · Standard |
| 24 months | $304.503.00% APY · Certificate of Deposit · Standard | $609.003.00% APY · Certificate of Deposit · Standard | $1,522.503.00% APY · Certificate of Deposit · Standard | $3,045.003.00% APY · Certificate of Deposit · Standard |
| 36 months | $463.643.00% APY · Certificate of Deposit · Standard | $927.273.00% APY · Certificate of Deposit · Standard | $2,318.173.00% APY · Certificate of Deposit · Standard | $4,636.353.00% APY · Certificate of Deposit · Standard |
| 48 months | $627.543.00% APY · Certificate of Deposit · Standard | $1,255.093.00% APY · Certificate of Deposit · Standard | $3,137.723.00% APY · Certificate of Deposit · Standard | $6,275.443.00% APY · Certificate of Deposit · Standard |
How The Bank of Commerce (Idaho) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 31 of 331 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| The Bank of Commerce (Idaho) (this institution)Certificate of Deposit · Standard | 18 months | $500 | Branches in ID, MT | 4.30% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking The Bank of Commerce (Idaho) on October 22, 2026.
About The Bank of Commerce (Idaho)
- Legal name
- The Bank of Commerce
- Regulator ID
- FDIC 18059
- Headquarters
- Ammon, ID
- Available in
- ID, MT
- Total assets
- $2.3 billion
- Also known as
- The Bank of Commerce
- Website
- www.bofc.bank
Source: rates read from https://www.bofc.bank/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at The Bank of Commerce (Idaho)?
Among the rates we track, 4.30% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a The Bank of Commerce (Idaho) CD?
The lowest minimum we found is $500.
How does The Bank of Commerce (Idaho)'s best CD rate compare with Treasury yields?
4.30% APY is −0.42% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are The Bank of Commerce (Idaho) CDs insured?
The Bank of Commerce (Idaho) is an FDIC-insured bank (FDIC 18059). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check The Bank of Commerce (Idaho)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from The Bank of Commerce (Idaho)'s website and may change at any time. Confirm terms, minimums and eligibility with The Bank of Commerce (Idaho) before opening an account. This page is not financial advice.