Bank · FDIC insured
BAC Community Bank Savings Rates
BAC Community Bank’s best savings rate is 0.15% APY on $10,000, with its Select Money Market. Rates checked October 16, 2026.
How BAC Community Bank’s savings 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
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Select Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
BAC Community Bank savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Select Money Market
0.15%APY
$15 monthly service charge waived when an average balance of $2,500 is maintained in the account. Limit of 6 withdrawals per monthly statement cycle ($12 each additional debit). Online account opening available for existing customers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $100,000 | 0.15% | $15 |
| $100,000 – $250,000 | 0.20% | — |
| $250,000 – $500,000 | 0.30% | — |
| $500,000 – $1,000,000 | 0.40% | — |
| $1,000,000 and up | 0.75% | — |
Sources (2)
- bankbac.com/personal/savings-c…select-money-market.html
- bankbac.com/_/kcms-doc/1219/85…eet_Checking-Savings.pdf
All captured Oct 16, 2026
Diamond Rewards Saver
0.50%APY on $10,000
Variable rate savings account. Linked to Diamond Rewards or Diamond Rewards Cashback checking account. Six withdrawal limit per monthly statement cycle applies.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.50% |
| $10,000 and up | 0.25% |
On $10,000 the tiers blend to about 0.50% APY, earning $50 a year.
Sources (3)
- bankbac.com/personal/savings-cds · captured Sep 16, 2026
- bankbac.com/personal/savings-cds/saver.html · captured Sep 16, 2026
- bankbac.com/_/kcms-doc/1219/85…eet_Checking-Savings.pdf · captured Oct 8, 2026
Select Savings
0.03%APY
Variable rate consumer savings account. $3 monthly service charge waived with $400 average balance or enrollment in paperless statements. No charge for first 3 withdrawals per statement cycle ($2 fee per additional debit). Maximum 6 withdrawals per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500,000$3 monthly service charge waived by maintaining an average balance of $400 or by enrolling in and agreeing to receive paperless statements. | 0.03% | $3 | $3 monthly service charge waived by maintaining an average balance of $400 or by enrolling in and agreeing to receive paperless statements. |
| $500,000 and up$3 monthly service charge waived by maintaining an average balance of $400 or by enrolling in and agreeing to receive paperless statements. | 0.15% | — | $3 monthly service charge waived by maintaining an average balance of $400 or by enrolling in and agreeing to receive paperless statements. |
Sources (3)
- bankbac.com/personal/savings-cds · captured Sep 16, 2026
- bankbac.com/personal/savings-cds/select-savings.html · captured Sep 16, 2026
- bankbac.com/_/kcms-doc/1219/85…eet_Checking-Savings.pdf · captured Oct 8, 2026
Special-purpose accounts
Minor Savings
0.03%APY
Variable rate personal savings account for accountholders 17 years of age and younger (requires adult age 18 or older as joint owner). No recurring monthly service charge or minimum balance required. Converts to Select Savings at age 18. Maximum 6 withdrawals per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500,000For accountholders age 17 and younger with an adult age 18 or older as joint owner. No recurring monthly service charge. Converts to Select Savings at age 18. | 0.03% | $3 | For accountholders age 17 and younger with an adult age 18 or older as joint owner. No recurring monthly service charge. Converts to Select Savings at age 18. |
| $500,000 and upFor accountholders age 17 and younger with an adult age 18 or older as joint owner. No recurring monthly service charge. Converts to Select Savings at age 18. | 0.15% | — | For accountholders age 17 and younger with an adult age 18 or older as joint owner. No recurring monthly service charge. Converts to Select Savings at age 18. |
Sources (3)
- bankbac.com/personal/savings-cds · captured Sep 16, 2026
- bankbac.com/personal/savings-cds/minor-savings.html · captured Sep 16, 2026
- bankbac.com/_/kcms-doc/1219/85…eet_Checking-Savings.pdf · captured Oct 8, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.