# The Bank of Commerce (Idaho) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bank-of-commerce-idaho
Institution: The Bank of Commerce (FDIC 18059)
Aliases: The Bank of Commerce
Status: live
Last verified: 2026-10-23T03:01:28.000Z (October 22, 2026)
Official source: https://www.bofc.bank/rates.html
Coverage: CDs from 90 days to 48 months with a $500 minimum to open; all certificates accept additional deposits. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 90 days | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 180 days | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 9 months | $500 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 11 months | $500 | 4.25% | Not ZIP-priced | −0.29% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 18 months | $500 | 4.30% | Not ZIP-priced | −0.42% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 24 months | $500 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |
| Certificate of Deposit | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-23T03:01:28.000Z | [Snapshot 905](https://apyledger.com/snapshots/905) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.