Bank · FDIC insured
Bank of America CD Rates
Bank of America’s best CD rate is 4.11% APY on a 7-month CD. Terms run from 6 months to 10 years. Rates checked October 4, 2026.
How Bank of America’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Bank of America has the most branches. $10,000, best rate first.
This bank’s best
Bank of America
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Featured CD
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Bank of America CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo0.11%
- QualifiedQualified3.75%
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 Bank of America ranks
By CD score, in each area where it has branches
- #94 of 140New York-Newark-Jersey City, NY-NJ metro337
- #72 of 108Los Angeles-Long Beach-Anaheim, CA metro270
- #43 of 57Miami-Fort Lauderdale-West Palm Beach, FL metro155
- #76 of 101Washington-Arlington-Alexandria, DC-VA-MD-WV metro121
- #66 of 100Dallas-Fort Worth-Arlington, TX metro119
- #68 of 112Chicago-Naperville-Elgin, IL-IN metro118
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Featured CD
Up to 3.75%APY · 5 terms
At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
| Term | APY · Up to $9,999 | APY · Up to $10,000 | APY · $10,000 – $99,999 | APY · $100,000 – $999,999 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 7 months | 3.75% | — | 3.75% | 4.11% | 4.11% | 3.75%3.75% to $10k4.11% $100k–$1,000k4.11% from $1,000k | $217 |
| 10 months | 2.95% | — | 2.95% | 2.95% | — | 2.95%2.95% to $10k2.95% $100k–$1,000k | $245 |
| 10 monthsBalance tier: Less than $10,000 | — | 2.95% | — | — | — | —2.95% to $10k | — |
| 13 months | 3.75% | — | 3.75% | 4.00% | 4.00% | 3.75%3.75% to $10k4.00% $100k–$1,000k4.00% from $1,000k | $407 |
| 25 months | 1.75% | — | 1.75% | 1.75% | — | 1.75%1.75% to $10k1.75% $100k–$1,000k | $368 |
| 25 monthsBalance tier: Less than $10,000 | — | 1.75% | — | — | — | —1.75% to $10k | — |
| 37 months | 0.11% | — | 0.11% | 0.11% | — | 0.11%0.11% to $10k0.11% $100k–$1,000k | $34 |
| 37 monthsBalance tier: Less than $10,000 | — | 0.11% | — | — | — | —0.11% to $10k | — |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Flexible CD
3.15%APY · 1 term
A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
| Term | APY · Up to $9,999 | APY · $10,000 – $99,999 | APY · $100,000 – $999,999 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.15% | 3.15% | 3.65% | 3.65% | 3.15%3.15% to $10k3.65% $100k–$1,000k3.65% from $1,000k | $315 |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Fixed Term CD
Up to 3.00%APY · 9 terms
Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
| Term | APY · Up to $9,999 | APY · Up to $10,000 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| Unknown28 - 89 Days | 0.03% | — | 0.03% | 0.03% | 0.03%0.03% to $10k0.03% from $100k | $0 |
| Unknown90 - 179 Days | 3.00% | — | 3.00% | 3.00% | 3.00%3.00% to $10k3.00% from $100k | $0 |
| 6–11 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $1 |
| 6–11 monthsTerm: 6-11 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 12–17 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $3 |
| 12–17 monthsTerm: 12-17 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 18–23 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $5 |
| 18–23 monthsTerm: 18-23 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 24–35 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $6 |
| 24–35 monthsTerm: 24-35 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 36–47 months | 0.03% | — | 0.03% | 0.03% | 0.03%0.03% to $10k0.03% from $100k | $9 |
| 48–59 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $12 |
| 48–59 monthsTerm: 48-59 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 60–119 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $15 |
| 60–119 monthsTerm: 60-119 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 120 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $30 |
| 120 monthsTerm: 120 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Special-purpose accounts
Featured IRA CD
Up to 3.75%APY · 5 terms
At maturity, automatically renews into a 3 Month Flexible IRA CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000. IRA CDs are only available to consumers.
| Term | APY · Up to $9,999 | APY · Up to $10,000 | APY · $10,000 – $99,999 | APY · $100,000 – $999,999 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 7 months | 3.75% | — | 3.75% | 4.11% | 4.11% | 3.75%3.75% to $10k4.11% $100k–$1,000k4.11% from $1,000k | $217 |
| 10 months | 2.95% | — | 2.95% | 2.95% | — | 2.95%2.95% to $10k2.95% $100k–$1,000k | $245 |
| 10 monthsBalance tier: Less than $10,000 | — | 2.95% | — | — | — | —2.95% to $10k | — |
| 13 months | 3.75% | — | 3.75% | 4.00% | 4.00% | 3.75%3.75% to $10k4.00% $100k–$1,000k4.00% from $1,000k | $407 |
| 25 months | 1.75% | — | 1.75% | 1.75% | — | 1.75%1.75% to $10k1.75% $100k–$1,000k | $368 |
| 25 monthsBalance tier: Less than $10,000 | — | 1.75% | — | — | — | —1.75% to $10k | — |
| 37 months | 0.11% | — | 0.11% | 0.11% | — | 0.11%0.11% to $10k0.11% $100k–$1,000k | $34 |
| 37 monthsBalance tier: Less than $10,000 | — | 0.11% | — | — | — | —0.11% to $10k | — |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Flexible IRA CD
3.15%APY · 1 term
A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible IRA CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000. IRA CDs are only available to consumers.
| Term | APY · Up to $9,999 | APY · $10,000 – $99,999 | APY · $100,000 – $999,999 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.15% | 3.15% | 3.65% | 3.65% | 3.15%3.15% to $10k3.65% $100k–$1,000k3.65% from $1,000k | $315 |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Fixed Term IRA CD
0.03%APY · 8 terms
Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies. IRA CDs are not available for a term less than 6 Months. IRA CDs are only available to consumers.
| Term | APY · Up to $9,999 | APY · Up to $10,000 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6–11 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $1 |
| 12–17 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $3 |
| 12–17 monthsTerm: 12-17 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 18–23 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $5 |
| 18–23 monthsTerm: 18-23 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 24–35 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $6 |
| 24–35 monthsTerm: 24-35 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 36–47 months | 0.03% | — | 0.03% | — | 0.03%0.03% to $10k | $9 |
| 36–47 monthsTerm: 36-47 Months. Balance tier: Less than $10,000 | — | 0.03% | — | — | —0.03% to $10k | — |
| 48–59 months | 0.03% | — | 0.03% | 0.03% | 0.03%0.03% to $10k0.03% from $100k | $12 |
| 60–119 months | 0.03% | — | 0.03% | 0.03% | 0.03%0.03% to $10k0.03% from $100k | $15 |
| 120 months | 0.03% | — | 0.03% | 0.03% | 0.03%0.03% to $10k0.03% from $100k | $30 |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Variable Rate IRA CD
0.03%APY · 1 term
Variable rate account; interest rate and APY may change at any time without notice. Online opening limit is $250,000. IRA CDs are only available to consumers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18–23 months | 0.03% | $5 |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
Closed to new customers
3 Month Flexible CD
0.10%APY · 1 term
Not available for new account opening; rates are available for existing accounts only. Renewal product for 7, 10, 13, 25 and 37 Month Featured CDs and 12 Month Flexible CD. Automatically renews into a 3 Month Flexible CD. Early withdrawal penalty of 7 days interest for withdrawals within the first 6 days.
| Term | APY · Up to $9,999 | APY · $10,000 – $99,999 | APY · $100,000 – $999,999 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.10% | 0.10% | 0.10% | 0.10%0.10% to $10k0.10% $100k–$1,000k | $2 |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 2026
3 Month Flexible IRA CD
0.10%APY · 1 term
Not available for new account opening; rates are available for existing accounts only. Renewal product for 7, 10, 13, 25 and 37 Month Featured IRAs and 12 Month Flexible IRA. Automatically renews into a 3 Month Flexible IRA CD. Early withdrawal penalty of 7 days interest for withdrawals within the first 6 days. IRA CDs are only available to consumers.
| Term | APY · Up to $9,999 | APY · $10,000 – $99,999 | APY · $100,000 – $999,999 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.10% | 0.10% | 0.10% | 0.10%0.10% to $10k0.10% $100k–$1,000k | $2 |
Sources (1)
- media.bac-assets.com/DigitalDeposit_NC_NC_Western.pdf · captured Oct 4, 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.