Bank · FDIC insured
BAC Community Bank CD Rates
BAC Community Bank’s best CD rate is 3.71% APY on an 11-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How BAC Community Bank’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where BAC Community Bank has the most branches. $10,000, best rate first.
This bank’s best
BAC Community Bank
3.35%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $307
Standard Certificates of Deposit (CDs)
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
BAC Community Bank CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.10%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo2.01%
- 31–60 months31–60 mo0.75%
- QualifiedQualified3.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BAC Community Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Standard Certificates of Deposit (CDs)
Up to 3.35%APY · 13 terms
Online account opening is available for Existing Customers when opened as a Personal account with individual or joint ownership. Subject to change without notice. A penalty for early withdrawal may apply.
| Term | APY · $2,500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 month | 0.25% | 0.25% | 0.25% | 0.25% | 0.25%0.25% $2.5k–$10k0.25% $50k–$100k0.25% from $100k | $2 |
| 3 months | 2.35% | 2.37% | 2.50% | 3.00% | 2.37%2.35% $2.5k–$10k2.50% $50k–$100k3.00% from $100k | $59 |
| 4 months | 2.35% | 2.37% | 2.50% | 3.00% | 2.37%2.35% $2.5k–$10k2.50% $50k–$100k3.00% from $100k | $78 |
| 5 months | 3.10% | 3.10% | 3.25% | 3.51% | 3.10%3.10% $2.5k–$10k3.25% $50k–$100k3.51% from $100k | $128 |
| 6 months | 3.10% | 3.10% | 3.25% | 3.51% | 3.10%3.10% $2.5k–$10k3.25% $50k–$100k3.51% from $100k | $154 |
| 9 months | 2.75% | 2.75% | 2.95% | 3.00% | 2.75%2.75% $2.5k–$10k2.95% $50k–$100k3.00% from $100k | $206 |
| 11 months | 3.35% | 3.35% | 3.61% | 3.71% | 3.35%3.35% $2.5k–$10k3.61% $50k–$100k3.71% from $100k | $307 |
| 12 months | 2.70% | 2.70% | 2.90% | 2.95% | 2.70%2.70% $2.5k–$10k2.90% $50k–$100k2.95% from $100k | $270 |
| 18 months | 2.01% | 2.01% | 2.01% | 2.01% | 2.01%2.01% $2.5k–$10k2.01% $50k–$100k2.01% from $100k | $303 |
| 24 months | 2.01% | 2.01% | 2.01% | 2.01% | 2.01%2.01% $2.5k–$10k2.01% $50k–$100k2.01% from $100k | $406 |
| 36 months | 0.75% | 0.75% | 0.75% | 0.75% | 0.75%0.75% $2.5k–$10k0.75% $50k–$100k0.75% from $100k | $227 |
| 48 months | 0.75% | 0.75% | 0.75% | 0.75% | 0.75%0.75% $2.5k–$10k0.75% $50k–$100k0.75% from $100k | $303 |
| 60 months | 0.75% | 0.75% | 0.75% | 0.75% | 0.75%0.75% $2.5k–$10k0.75% $50k–$100k0.75% from $100k | $381 |
Sources (3)
- bankbac.com/personal/savings-cds
- bankbac.com/personal/savings-c…ates-of-deposit-cds.html
- bankbac.com/_/kcms-doc/1219/80945/CD_Interest_Rates.pdf
All captured Oct 16, 2026
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