Source: https://media.bac-assets.com/DigitalDeposit_CA_CA_Bay_Area.pdf?cacheBuster=927
Read: 2026-10-22T10:01:58.000Z
ZIP: 94105
Tab: Personal CDs — official regional PDF

Confirmed quote location: San Francisco, CA (ZIP 94105)
Active tab: Personal CDs — official regional PDF
Bank of America — California. Effective as of: October 22, 2026.
Promotional CD & IRA CD Products
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Flexible CD & IRA CD
12 Month Term
Account Balance | Rate | APY
Less than $10,000 | 3.11% | 3.15%
$10,000 - $99,999 | 3.11% | 3.15%
$100,000 - $999,999 | 3.59% | 3.65%
$1,000,000 and over | 3.59% | 3.65%
Minimum to open: $1,000 CDs / $1,000 IRAs
A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term (or within the
first 6 days following any partial withdrawal during the initial or any renewal term). If your account has not earned enough
interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your
principal.
The 12 Month Flexible CD/IRA will automatically renew into a 3 Month Flexible CD/IRA at a lower interest rate unless you
make a change during the 7-day grace period. For the 3 Month Flexible CD/IRA rates see Products Not Available for New
Account Opening.

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Featured CD & IRA CD
7 Month Term
Account Balance | Rate | APY
Less than $10,000 | 3.69% | 3.75%
$10,000 - $99,999 | 3.69% | 3.75%
$100,000 - $999,999 | 3.93% | 4.00%
$1,000,000 and over | 3.93% | 4.00%
10 Month Term
Account Balance | Rate | APY
Less than $10,000 | 2.91% | 2.95%
$10,000 - $99,999 | 2.91% | 2.95%
$100,000 - $999,999 | 2.91% | 2.95%
$1,000,000 and over | 2.91% | 2.95%
13 Month Term
Account Balance | Rate | APY
Less than $10,000 | 1.98% | 2.00%
$10,000 - $99,999 | 1.98% | 2.00%
$100,000 - $999,999 | 1.98% | 2.00%
$1,000,000 and over | 1.98% | 2.00%
25 Month Term
Account Balance | Rate | APY
Less than $10,000 | 1.74% | 1.75%
$10,000 - $99,999 | 1.74% | 1.75%
$100,000 - $999,999 | 1.74% | 1.75%
$1,000,000 and over | 1.74% | 1.75%
37 Month Term
Account Balance | Rate | APY
Less than $10,000 | 0.11% | 0.11%
$10,000 - $99,999 | 0.11% | 0.11%
$100,000 - $999,999 | 0.11% | 0.11%
$1,000,000 and over | 0.11% | 0.11%
Minimum to open: $1,000 CDs / $1,000 IRAs
At maturity, 7, 10, 13, 25 and 37 Month Featured CDs/IRAs accounts will automatically renew into a 3 Month Flexible
CD/IRA at a lower interest rate unless you make a change during the 7-day grace period. For the 3 Month Flexible CD/IRA
rates see Products Not Available for New Account Opening.

Fixed Term CD & IRA CD Products
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Time Deposits - Fixed Term CD & IRA CD
Account Balance | Account Balance | Account Balance
Less than $10,000 | $10,000 - $99,999 | $100,000 and over
Term | Rate | APY | Rate | APY | Rate | APY
28 - 89 Days* | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
90 - 179 Days** | 2.96% | 3.00% | 2.96% | 3.00% | 2.96% | 3.00%
06 - 11 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
12 - 17 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
18 - 23 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
24 - 35 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
36 - 47 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
48 - 59 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
60 - 119 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
120 Months | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03%
Fixed term CD minimum to open: $1,000
Fixed term IRA CD minimum to open: $1,000
**IRA CDs are not available for a term less than 6 Months
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Variable Rate IRA CD
18 - 23 Month Term
Account Balance | Rate | APY
All Balances | 0.03% | 0.03%
Minimum to open: | $100