Plains Commerce Bank CD Rates — October 2026
As of October 23, 2026, Plains Commerce Bank's highest tracked CD rate is 3.78% APY on a 7-month promotional CD ($10,000 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%).
Tracking began .
Plains Commerce Bank CD rates
Personal CD specials require $10,000 and exclude institutional funds and existing exchange-a-rate CDs. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 5 months | CD Special Promotional | $10,000 | 3.28%Free rate alert | −1.06% | Verified October 23, 2026 |
| 7 months | CD Special Promotional | $10,000 | 3.78%Free rate alert | −0.58% | Verified October 23, 2026 |
| 11 months | CD Special Promotional | $10,000 | 3.25%Free rate alert | −1.19% | Verified October 23, 2026 |
| 13 months | CD Special Promotional | $10,000 | 3.74%Free rate alert | −0.74% | Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Plains Commerce Bank's best CD rates by term?
Plains Commerce Bank's best rate is 3.78% APY on 7 months, verified October 23, 2026.
- 5 mo3.28%
- 7 mo3.78%
- 11 mo3.25%
- 13 mo3.74%
How much interest could a Plains Commerce Bank 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.
$218.88 interest · $10,218.88 at maturity on $10,000.00.
3.78% APY · 7 months · CD Special · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | Not estimated | $135.313.28% APY · CD Special · Promotional | $338.273.28% APY · CD Special · Promotional | $676.533.28% APY · CD Special · Promotional |
| 7 months | Not estimated | $218.883.78% APY · CD Special · Promotional | $547.203.78% APY · CD Special · Promotional | $1,094.403.78% APY · CD Special · Promotional |
| 11 months | Not estimated | $297.893.25% APY · CD Special · Promotional | $744.733.25% APY · CD Special · Promotional | $1,489.473.25% APY · CD Special · Promotional |
| 13 months | Not estimated | $405.353.74% APY · CD Special · Promotional | $1,013.393.74% APY · CD Special · Promotional | $2,026.773.74% APY · CD Special · Promotional |
How Plains Commerce Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 56 of 100 tracked institutions with fresh 213-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 |
|---|---|---|---|---|---|
| Plains Commerce Bank (this institution)CD Special · Promotional | 7 months | $10,000 | Branches in SD | 3.78% | October 23, 2026 |
| First PREMIER BankCD Special · Promotional | 7 months | $10,000 | Branches in SD | 3.78% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Available nationwide | 3.60% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Branches in MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.36% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Plains Commerce Bank on October 23, 2026.
About Plains Commerce Bank
- Legal name
- Plains Commerce Bank
- Regulator ID
- FDIC 1678
- Headquarters
- Sioux Falls, SD
- Available in
- SD
- Total assets
- $1.3 billion
- Also known as
- Website
- www.plainscommerce.com
Source: rates read from https://www.plainscommerce.com/personal-banking/personal-checking/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Plains Commerce Bank?
Among the rates we track, 3.78% APY on a 7-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Plains Commerce Bank CD?
The lowest minimum we found is $10,000.
How does Plains Commerce Bank's best CD rate compare with Treasury yields?
3.78% APY is −0.58% versus the 7-month Treasury yield of 4.36% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 3.78% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.39% 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 Plains Commerce Bank CDs insured?
Plains Commerce Bank is an FDIC-insured bank (FDIC 1678). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Plains Commerce Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Plains Commerce Bank's website and may change at any time. Confirm terms, minimums and eligibility with Plains Commerce Bank before opening an account. This page is not financial advice.