Latest Bank of America Interest Rates - September 2026
Bank of America, N.A. (BAC)
Bank of America Interest Rates & Loan Products Overview
Quick Summary: Key benchmark, retail deposit, and consumer financing terms published by Bank of America (BAC):
Featured Rates & Products:
- Deposit Accounts & CDs: Baseline Advantage Savings accounts earn 0.01% APY, while promotional and featured Certificate of Deposit (CD) tiers yield between 3.00% and 3.51% APY on 3-month to 12-month terms.
- Mortgage Loans: 30-Year Fixed purchase home loan rates stand at 7.125% (approx. 7.370% APR), with conventional purchase options offering up to 97% LTV for qualified buyers and no prepayment penalties.
- Auto Financing: Fixed purchase dealer financing APR starts from 5.39% for new vehicles (with up to 0.50% relationship discounts for Preferred Rewards members).
- Personal Loans: Standalone unsecured consumer personal installment loans are not offered by Bank of America (credit lines and balance-transfer cards are offered instead).
- Benchmark Index: The reference Bank of America Prime Rate is 6.75%.
💡 Financial Tip: Bank of America Preferred Rewards tiers provide discounts on auto loan APRs and mortgage origination fees; consider evaluating overall relationship balances to maximize pricing benefits.
CD & Savings Interest Rates - BAC
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.01% | 0.01% |
| 1 Month | 0.03% | 0.03% |
| 3 Months | 3% | 3% |
| 6 Months | - | 0% |
| 12 Months (Benchmark ⭐) | 3.51% | 3.51% |
| 24 Months | 2% | 2% |
| 36 Months | 1.75% | 1.75% |
Featured Loan Products - BAC
Loan Guide & Terms →7.13% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 97% of value
- • Formula: SOFR + 2.75%
5.39% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
9.5% /yr
- • Max loan term: 5 years
6.5% /yr
- • Max loan term: 15 years
Calculate Loan Payments for Bank of America
Simulate monthly principal and interest payments at 7.13% APR for BAC with detailed amortization schedule and Excel export.
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