# Plains Commerce Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/plains-commerce-bank
Institution: Plains Commerce Bank (FDIC 1678)
Aliases: 
Status: live
Last verified: 2026-10-23T11:34:49.000Z (October 23, 2026)
Official source: https://www.plainscommerce.com/personal-banking/personal-checking/cds
Coverage: Personal CD specials require $10,000 and exclude institutional funds and existing exchange-a-rate CDs. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD Special | promotional | 5 months | $10,000 | 3.28% | Not ZIP-priced | −1.06% | 2026-10-23T11:34:49.000Z | [Snapshot 1018](https://apyledger.com/snapshots/1018) |
| CD Special | promotional | 7 months | $10,000 | 3.78% | Not ZIP-priced | −0.58% | 2026-10-23T11:34:49.000Z | [Snapshot 1018](https://apyledger.com/snapshots/1018) |
| CD Special | promotional | 11 months | $10,000 | 3.25% | Not ZIP-priced | −1.19% | 2026-10-23T11:34:49.000Z | [Snapshot 1018](https://apyledger.com/snapshots/1018) |
| CD Special | promotional | 13 months | $10,000 | 3.74% | Not ZIP-priced | −0.74% | 2026-10-23T11:34:49.000Z | [Snapshot 1018](https://apyledger.com/snapshots/1018) |

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.