Bank of America CD Rates — October 2026
As of October 22, 2026, Bank of America's best CD rate for ZIP 10001 (New York, NY) is 4.00% APY on a 7-month promotional CD ($100,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). The best rate was 4.00% APY in all 3 ZIP codes checked.
Tracking began .
Rates by location
Bank of America prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
Bank of America CD rates in San Francisco, CA
Personal CD quotes come from the official regional rate sheet returned for each ZIP checked. Business, IRA-only and renewal-only products are excluded.
| Term | Product | APY |
|---|---|---|
| 28 days | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 90 days | Fixed Term CD & IRA CD | 3.00%Verified October 22, 2026 |
| 6 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 7 months | Featured CD & IRA CD Promotional | 4.00%Verified October 22, 2026 |
| 7 months | Featured CD & IRA CD Promotional | 3.75%Verified October 22, 2026 |
| 10 months | Featured CD & IRA CD Promotional | 2.95%Verified October 22, 2026 |
| 12 months | Flexible CD & IRA CD Promotional | 3.65%Verified October 22, 2026 |
| 12 months | Flexible CD & IRA CD Promotional | 3.15%Verified October 22, 2026 |
| 12 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 13 months | Featured CD & IRA CD Promotional | 2.00%Verified October 22, 2026 |
| 18 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 24 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 25 months | Featured CD & IRA CD Promotional | 1.75%Verified October 22, 2026 |
| 36 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 37 months | Featured CD & IRA CD Promotional | 0.11%Verified October 22, 2026 |
| 48 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 60 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
| 120 months | Fixed Term CD & IRA CD | 0.03%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (7 months). The standard rate for a similar term is 0.03% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $397 less per year. Check the account terms and set a reminder before maturity.
What are Bank of America's best CD rates by term?
Bank of America's best rate for ZIP 94105 is 4.00% APY on 7 months, verified October 22, 2026.
- 28 days0.03%
- 90 days3.00%
- 6 mo0.03%
- 7 mo4.00%
- 10 mo2.95%
- 12 mo3.65%
- 13 mo2.00%
- 18 mo0.03%
- 24 mo0.03%
- 25 mo1.75%
- 36 mo0.03%
- 37 mo0.11%
- 48 mo0.03%
- 60 mo0.03%
- 120 mo0.03%
How much interest could a Bank of America CD earn?
Estimated interest at maturity for the displayed ZIP 94105 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $0.750.03% APY · Fixed Term CD & IRA CD · Standard | $1.500.03% APY · Fixed Term CD & IRA CD · Standard | $3.760.03% APY · Fixed Term CD & IRA CD · Standard | $7.520.03% APY · Fixed Term CD & IRA CD · Standard |
| 7 months | $108.583.75% APY · Featured CD & IRA CD · Promotional | $217.163.75% APY · Featured CD & IRA CD · Promotional | $542.893.75% APY · Featured CD & IRA CD · Promotional | $1,085.783.75% APY · Featured CD & IRA CD · Promotional |
| 12 months | $157.503.15% APY · Flexible CD & IRA CD · Promotional | $315.003.15% APY · Flexible CD & IRA CD · Promotional | $787.503.15% APY · Flexible CD & IRA CD · Promotional | $1,575.003.15% APY · Flexible CD & IRA CD · Promotional |
| 18 months | $2.250.03% APY · Fixed Term CD & IRA CD · Standard | $4.500.03% APY · Fixed Term CD & IRA CD · Standard | $11.260.03% APY · Fixed Term CD & IRA CD · Standard | $22.520.03% APY · Fixed Term CD & IRA CD · Standard |
| 24 months | $3.000.03% APY · Fixed Term CD & IRA CD · Standard | $6.000.03% APY · Fixed Term CD & IRA CD · Standard | $15.000.03% APY · Fixed Term CD & IRA CD · Standard | $30.000.03% APY · Fixed Term CD & IRA CD · Standard |
| 60 months | $7.500.03% APY · Fixed Term CD & IRA CD · Standard | $15.010.03% APY · Fixed Term CD & IRA CD · Standard | $37.520.03% APY · Fixed Term CD & IRA CD · Standard | $75.050.03% APY · Fixed Term CD & IRA CD · Standard |
How Bank of America 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 6 of 16 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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Bank of America (this institution)Featured CD & IRA CD · Promotional | 7 months | $100,000 | San Francisco, CA · ZIP 94105 | 4.00% | October 22, 2026 |
| Patelco Credit UnionCertificate · Promotional | 7 months | $250 | Coverage: CA | 4.25% | October 22, 2026 |
| Wells FargoSpecial Fixed Rate CD · Relationship | 7 months | $5,000 | San Francisco, CA · ZIP 94105 | 4.10% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Nationwide; check eligibility | 3.60% | October 22, 2026 |
| Consumers Credit Union (highest tracked APY for this term)Super Jumbo Certificate · Promotional | 7 months | $250,000 | Coverage: IL | 4.45% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank of America on October 22, 2026.
About Bank of America
- Legal name
- Bank of America, National Association
- Regulator ID
- FDIC 3510
- Headquarters
- Charlotte, NC
- Available in
- AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- Total assets
- $2,654.6 billion
- Also known as
- BofA, BoA
- Website
- www.bankofamerica.com
Source: rates read from https://www.bankofamerica.com/deposits/bank-account-interest-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of America?
4.00% APY on a 7-month promotional CD for ZIP 10001, as of October 22, 2026.
What is the minimum deposit for a Bank of America CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $1,000,000.
Do Bank of America CD rates depend on where you live?
Rates may depend on location. The best rate was 4.00% APY in all 3 ZIP codes checked.
How does Bank of America's best CD rate compare with Treasury yields?
4.00% APY is −0.43% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 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 Bank of America CDs insured?
Bank of America is an FDIC-insured bank (FDIC 3510). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of America's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bank of America's website and may change at any time. Confirm terms, minimums and eligibility with Bank of America before opening an account. This page is not financial advice.