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Comparar opciones de Certificados de depósito (CD)

Cuenta de Certificado de depósito (CD) destacado

$1000
  • Deposits are FDIC insured up to $250,000 per depositor.
  • Choose from several options:
  • From 7 months to 37 months.
  • View available terms and rates
  • 0.05–4.35%Note[1]
  • depending on balance and term
  • At maturity, the 7-, 10-, 13-, 25-, and 37-month Featured Certificate of Deposit (CD) accounts will automatically renew into a Fixed Term Certificate of Deposit (CD) account with the same term unless you make a change during the 7-day grace period. The current Annual Percentage Yield (APY) on these Fixed Term CD accounts is 0.03%. Your rate will be determined at maturity
  • 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 Certificate of Deposit (CD). If your account has not earned enough interest to cover an early withdrawal penalty, we will deduct interest first and take the remainder of the penalty from your principal. For details on the penalty calculation and how grace periods work, see the
  • Deposit Agreement and Disclosures and the
  • Deposit Interest Rate Listing.
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Fixed Term Certificate of Deposit (CD) Account A penalty applies for early withdrawal. See details below.

$1000
  • Deposits are FDIC insured up to $250,000 per depositor.
  • Choose any term:
  • from 28 days to 10 years.
  • These products will automatically renew for the same term.
  • See available terms and rates
  • 0.03–4.00%Note[2]
  • depending on balance and term
  • At maturity, Fixed Term Certificate of Deposit (CD) accounts automatically renew into Fixed Term Certificate of Deposit (CD) accounts with the same duration, unless you make a change during the 7-day grace period.
  • 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 will deduct from the interest first and take the remainder of the penalty from your principal. For details on penalty calculation and how grace periods work, see the
  • Deposit Agreement and Disclosures and the
  • Deposit Interest Rate Schedule.
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Flexible Certificate of Deposit (CD) Account

$1000
  • Deposits are FDIC insured up to $250,000 per depositor.
  • Open a 12-month term online.
  • 3.75–3.75%Note[3]
  • depending on balance and term
  • At maturity, a 12-month Flexible Certificate of Deposit (CD) account will automatically renew into a 9-month Flexible Certificate of Deposit (CD) account unless you make a change during the 7-day grace period. Today's Annual Percentage Yield (APY) on the 9-month Flexible CD account is 0.01%. Your rate will be determined at maturity.
  • No additional deposits until maturity
  • We will waive the early withdrawal penalty except in connection with any withdrawal you request within the first 6 days of the account term (or within the first 6 days following any partial withdrawal). Please refer to
  • the Deposit Agreement and Disclosures and
  • the Deposit Interest Rate Schedule for more details on the penalty calculation.
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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.


Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S", or "Merrill"), a registered broker-dealer, registered investment adviser, Member SIPC popup, and a wholly-owned subsidiary of Bank of America Corporation. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.


Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Bank of America Corporation.
Insurance products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.


Banking, credit card and other products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation. Credit, auto, mortgage and home equity loans are offered by Bank of America, N.A. and its banking affiliates, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and security are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, and terms and conditions are subject to change without notice.