Skip to main content

Standard CD

Confirm CD term and amount

To open this account, choose your CD term and amount in the Rates section then select Display rates.

Go to Rates section


Flexible options available

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

Low opening balance

Open with as little as $1,000. Interest is compounded and credited monthly.

FDIC insured

Balances are FDIC insured up to applicable limits.

Automatic renewal

Automatically renews to another Standard CD/IRA with the same term at the then current interest rate. We send you a maturity notice prior to renewal.

Standard Term CD

To begin the application, first choose the length of time and the amount of deposit you'd like. Then select Display rate.

Display rate

  Standard Term CD ( )

Interest RateAPY

Open now


Choose the desired term then the deposit amount to see rate options.


Annual FeeTransfer FeesWithdrawal Penalty
  • $0
  • $0

View a complete list of fees


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.

Expansive network of financial centers

With thousands of financial centers available, as well as 24-hour online access, we are almost wherever you need us.

Mobile Banking

View your accrued interest and overall balance of your certificate of deposit in Bank of America's mobile app, now with fingerprint sign-in and Touch ID®

Bank of America Preferred Rewards

Get more rewards with your everyday banking. Learn more about Preferred Rewards.
Information for:

Please select your county

Enter your zip code

Please enter the zip code for your home address so we can give you accurate rate and fee information for your location.