Fixed Term CD from Bank of America: View Terms and Rates

Various terms available so you can choose your own term

Why choose a Fixed Term CD from Bank of America?

Save on your timeline

Choose a term that works for you — from 28 days to 10 years.

Start with a low opening balance

Open with as little as $1,000. Interest is compounded and credited monthly.^Footnote[1]

FDIC insurance

FDIC insurance up to the applicable limits.
Learn more about FDIC insurance

Easy, automatic renewals

Automatically renews to a Fixed Term CD of the same term. You'll get a maturity notice beforehand in case you'd rather redeem your CD.^Footnote[2]

Rates

Choose the desired term then the deposit amount to see rate options.^Footnote[3]

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Fees

An early withdrawal penalty will apply. Please see the Deposit Agreement and Disclosures (PDF) for details.^Footnote[4]

View a complete list of feesBack to Top

Why bank with us?

Safety and security

For 9 years in a row, Bank of America was recognized as having the Best Overall Identity Safety in Banking by Javelin Strategy & Research, the nation's leading provider of financial institution research.^Footnote[5]

A broad network of support

We're here for you anytime, almost anywhere with 24/7 online access and thousands of financial centers.

A convenient mobile app

^Footnote[6]

Keep track of your balance and accrued interest on the go. Sign in safely and quickly with fingerprint sign-in or Touch ID.^®^Footnote[7]

Rewarding relationships

Qualifying members can earn more rewards with their everyday banking.

Learn more about Preferred Rewards.

Annual Percentage Yield (APY) is accurate as of 02/26/2026 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.

Best Overall Identity Safety in Banking, Javelin Strategy & Research. Oct 2014.

Certain devices are eligible for enrollment in Touch ID^®, Face ID^® or fingerprint login. If eligible, you will have the option to enroll by following the prompts within the Mobile Banking app. If you store multiple fingerprints on your device including those of additional persons, those persons will also be able to access your Bank of America Mobile Banking app via fingerprint, including the ability to access a call center, when Touch ID^® or fingerprint is enabled. Data connection required. Wireless carrier fees may apply.