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A

typically earns higher interest than a traditional savings account

Compare CD options

Featured CD account

Early withdrawal penalty applies. See details below.

Learn more about Featured CD Account

Fixed Term CD account

Early withdrawal penalty applies. See details below.

Learn more about Fixed Term CD account

Flexible CD account

Early withdrawal penalty applies. See details below.

Learn more about Flexible CD account
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Featured CD account

$1,000

Fixed Term CD account

$1,000

Flexible CD account

$1,000

Featured CD account

Deposits are insured by the FDIC up to $250,000 per depositor.

Fixed Term CD account

Deposits are insured by the FDIC up to $250,000 per depositor.

Flexible CD account

Deposits are insured by the FDIC up to $250,000 per depositor.

Featured CD account

Choose from multiple options:
7 month to 37 month.

Fixed Term CD account

Choose any term:
28 days to 10 years.
These products will automatically renew for the same term.

Flexible CD account

Open a 12 month term online.

Featured CD account

XXXX–XXXX%Footnote[1]
depending on balance and term

Fixed Term CD account

0.01–0.01%Footnote[2]
depending on balance and term

Flexible CD account

XXXX–XXXX%Footnote[3]
depending on balance and term

Featured CD account

At maturity, 7, 10, 13, 25 and 37 Month Featured CDs will automatically renew into a 3 Month Flexible CD unless you make a change during the 7-day grace period.

The current APY on the 3 Month Flexible CD is 0.10%. Your rate will be determined at maturity. See Deposit Rate Sheet for more detail about the APY.

Fixed Term CD account

At maturity, Fixed Term CDs renew into Fixed Term CDs of the same term length unless you make a change during the 7-day grace period.

Flexible CD account

At maturity, a 12 Month Flexible CD will automatically renew into a 3 Month Flexible CD unless you make a change during the 7-day grace period.

The current APY on the 3 Month Flexible CD is 0.10%. Your rate will be determined at maturity. See Deposit Rate Sheet for more detail about the APY.

Featured CD account

No additional deposits until maturity

Fixed Term CD account

No additional deposits until maturity

Flexible CD account

No additional deposits until maturity

Featured CD account

An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your CD.

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.

For more detail about the penalty calculation and how grace periods are determined, see
Deposit Agreement and Disclosures (PDF) and
Deposit Rate Sheet.

Fixed Term CD account

An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your CD.

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.

For more detail about the penalty calculation and how grace periods are determined, see
Deposit Agreement and Disclosures (PDF) and
Deposit Rate Sheet.

Flexible CD account

We will waive the early withdrawal penalty except in connection with any withdrawals you request within the first 6 days of the account term (or the first 6 days following any partial withdrawal).

See
Deposit Agreement and Disclosures (PDF) and
Deposit Rate Sheet for more detail about the penalty calculation.

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Slide 1 of 3 - Featured CD account

Featured CD account

Early withdrawal penalty applies. See details below.

Learn more about Featured CD Account
|

$1,000

Deposits are insured by the FDIC up to $250,000 per depositor.

Choose from multiple options:
7 month to 37 month.

XXXX–XXXX%Footnote[1]
depending on balance and term

At maturity, 7, 10, 13, 25 and 37 Month Featured CDs will automatically renew into a 3 Month Flexible CD unless you make a change during the 7-day grace period.

The current APY on the 3 Month Flexible CD is 0.10%. Your rate will be determined at maturity. See Deposit Rate Sheet for more detail about the APY.

No additional deposits until maturity

An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your CD.

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.

For more detail about the penalty calculation and how grace periods are determined, see
Deposit Agreement and Disclosures (PDF) and
Deposit Rate Sheet.

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Get more details about our CDs (PDF)

Other savings accounts available

Everyday savings

A more flexible account with faster access to cash

Learn more about savings accounts

Retirement planning

Consider an IRA to help maximize your returns

Learn more about IRAs

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Financial network

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Program changes are coming in May 2026

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  1. Annual Percentage Yield (APY) is accurate as of 03/09/2026 and applies to the initial term of a new Featured CD. We may limit the amount you deposit in one or more Featured CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). Alternative terms are not allowed. Fees could reduce earnings on the account. Additional restrictions may apply. Ask your local financial center associate for details, terms and current rates.
  2. Annual Percentage Yield (APY) is accurate as of 03/09/2026 and applies to the initial term of a new Fixed Term CD. We may limit the amount you deposit in one or more Fixed CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). Alternative terms are not allowed. Fees could reduce earnings on the account. Additional restrictions may apply. Ask your local financial center associate for details, terms and current rates.
  3. Annual Percentage Yield (APY) is accurate as of 03/09/2026 and applies to the initial term of a new Flexible CD. Flexible CDs have a 12 month term. We may limit the amount you deposit in one or more Flexible CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). We may change the interest rate and APY at any time before account opening without prior notice. Alternative terms are not allowed. Fees could reduce earnings on the account. Additional restrictions may apply. We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your bank CD by giving you notice. If we make a change, we tell you about the change in the maturity notice. Ask your local financial center associate for details, terms and current rates.