Bank of America
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Bank Account Interest Rates for Savings, Checking & CDs from Bank of America
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Bank of America
bankofamerica.com › bank of america › bank account interest rates
Account Rates for Savings, Checking, CDs & IRAs
Review Bank of America's annual percentage yields (APYs) for checking, savings, CD and IRA accounts specific to your area.
Are money market rates fixed?
Most money market rates are variable, not fixed. That means the rate and APY you receive can rise or fall as market conditions change. A fixed introductory APY is the exception. During the promotional period, the fixed yield gives you a certain APY for a specific period of time. You might lose the fixed yield, however, if you don’t follow certain rules. An introductory rate may also require a deposit made with new money, which usually must come from outside the bank.
bankrate.com
bankrate.com › banking › money market
Best Money Market Account Rates Of January 2026 - Up to 4.10% | ...
What is a money market account?
A money market account is a type of savings account offered by banks and credit unions that typically pays a higher interest rate than regular savings accounts. There are sometimes limits on the number of certain withdrawals or transfers you can make each month.
bankrate.com
bankrate.com › banking › money market
Best Money Market Account Rates Of January 2026 - Up to 4.10% | ...
How does a money market account work?
A money market account is different from a savings account in that it has some transactional features. For example, a money market account may come with a debit card and checks. These features make it easier to access your money. Money market accounts offer a combination of interest and liquidity.
bankrate.com
bankrate.com › banking › money market
Best Money Market Account Rates Of January 2026 - Up to 4.10% | ...
Merrill Lynch
olui2.fs.ml.com › publish › content › application › pdf › gwmol › iccratesheet.pdf pdf
Yields at a Glance Cash Management Solutions
1 week ago - Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America · Corporation. ... The following chart provides seven day- yields for money market funds available under the Sweep Program.
Bankrate
bankrate.com › banking › money market
Best Money Market Account Rates Of January 2026 - Up to 4.10% | Bankrate
17 hours ago - The highest-rated money market accounts from broadly-available banks and credit unions, with the highest APYs, made our list. Learn more about how we choose the best banking products and our methodology for reviewing banks. Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Airlines Federal Credit Union, American Express National Bank, Apple Bank, Axos Bank, Banesco USA, Bank of America, Bank of Hope, Bank5 Connect, BankPurely, BankUnited Direct, Barclays Bank, Bask Bank, BMO Alto, BMO Bank, Boeing Employees’ Credit Union, Bread Savings, BrioDirect, Capital O
Bank of America
bankofamerica.com › deposits › products › employeebanking › savings.go
Bank of America | Employee Banking & Investments | Savings
Employee national savings rates are specially enhanced to match the highest consumer bank money market savings rates, including Platinum Privileges. However, Bank of America may offer higher rates through special offers, promotions, Affinity Banking, Wealth Management Banking or US Trust.
Why are Bank of America savings account interest rates so low?
well there are a few main reasons some people just dont know- they have their savings and dont know of other/better options differences in savings/banks. not everyone wants certain savings accounts or banks. certain accounts will have fees, some people dont want to move banks, etc a big thing is overall, its a very small difference. if you had 10K in the savings account, the 1.55% is roughly like 10$ a month. the other option is pennies a month. so to really get anything out of a higher yield savings you need to have A LOT more money sitting in the savings than most people have saved. for people living paycheck to paycheck or with just a couple hundred saved, they wont even earn 1$ of interest per month so the value of a 1.55% account is actually not that great More on reddit.com
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May 4, 2020Why doesn’t Bank of America offer high yield savings accounts past 0.01%?
Because they don't have to. More on reddit.com
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October 21, 2023Just moved my money over to BoA and looking to open an edge account. Looking for advice on preferred deposits vs money market mutual funds
is the MM account as safe as the preferred deposits? Yes. Technically not quite. Mostly because the FDIC has their own resources and the US treasury generally requires an act of Congress. Congress as we all know is half broken at the best of times these days. 2)if I were to do preferred deposits and borrowed some money to meet the initial 100k deposit how long until I could transfer some of that out? This borrowing to qualify is probably bad idea, but I would think T+2 settlement either way, so about a week? You need to get it there let it settle and then get it back out again. 3) what are the fees like associated with an edge account? None, if you are PH. if you are not, I'm not sure, but since you work there, certainly you can find the rates and fees page? ME has some of the best MMF's on the planet, so unless you really need FDIC insurance, TTTXX and friends are fabulous and I'd recommend you just stick to the MMF's. More on reddit.com
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February 15, 2024Money Market fund or HYSA?
Treasury-only money market funds are as safe as if not safer than HYSAs, pay more and are liquid too. I would go with a MMF. SNSXX on Schwab is a great choice to get a state tax exemption too, a good comparison of the cash options here More on reddit.com
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November 16, 2023Bank of America
bankofamerica.com › bank of america › banking › access accounts › fixed cd › bank cds
Fixed Term CD from Bank of America: View Terms and Rates
With a Fixed Term CD, you can choose the term that works best for you. See rates for different term options and open a Fixed Term CD account online today.
Bank of America
bankofamerica.com › bank of america › checking
Bank Account Rates & Fees FAQs from Bank of America
Pricing and fees vary by account. Go to savings accounts and select an account to review the details, including pricing. You can also find pricing information by visiting Bank Account Fees ... Visit our deposit interest rates page to view current CD rates and annual percentage yields.
Bank of America
bankofamerica.com › content › documents › deposits › service › pdf › docrepo › PCH-00-14-9324NSB_Rewards_MMS_ADA_nov2015.pdf pdf
Sort_Audit: CC:00-14-9324NSB Bank of America® Clarity Statement®
Bank of America® Clarity Statement® · Overview of Rewards Money Market Savings key policies and fees · Your Rewards Money Market Savings Account · FDIC Coverage · This account is insured by the Federal Deposit Insurance Corporation (FDIC) and is backed by ·
Allamerica
allamerica.bank › personal › banking › checking › mega-money-market-checking
Mega Money Market® Checking - Checking - Banking - Personal - All America Bank
View our videos and e-guides. ... Earns 3.85% APY calculated on your daily balance of up to $100,000. Amounts over $100,000 earn 0.50% APY. The APY for this tier will range from 3.85% to 0.50%. We will pay interest earned by your account in at the end of each monthly billing cycle.
Federal Reserve
federalreserve.gov › releases › h15
Federal Reserve Board - H.15 - Selected Interest Rates (Daily) - January 09, 2026
2 days ago - These market yields are calculated ... are read from the yield curve at fixed maturities, currently 1, 3, and 6 months and 1, 2, 3, 5, 7, 10, 20, and 30 years....
Bank of America
bankofamerica.com › bank of america › checking
Savings Account FAQs: Rates, Fees, Minimums, and More
You can view all savings interest rates online. Visit our Bank of America Advantage Savings product page for the current rates.
Reddit
reddit.com › r/personalfinance › why are bank of america savings account interest rates so low?
r/personalfinance on Reddit: Why are Bank of America savings account interest rates so low?
May 4, 2020 -
Hi! I'm thinking of opening up a savings account, and am quite new to pretty much everything finances.
I did a quick Google search and it appears that the rate for a Bank of America savings account is 0.03%, which seems absurdly low compared to other rates I'm seeing like 1.55% at Marcus by Goldman Sachs.
What's the catch? Is there any reason at all why anyone would prefer to open a Bank of America savings account? Is it somehow more secure? Is a rate like 1.55% too good to be true? Thanks!
Top answer 1 of 9
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well there are a few main reasons some people just dont know- they have their savings and dont know of other/better options differences in savings/banks. not everyone wants certain savings accounts or banks. certain accounts will have fees, some people dont want to move banks, etc a big thing is overall, its a very small difference. if you had 10K in the savings account, the 1.55% is roughly like 10$ a month. the other option is pennies a month. so to really get anything out of a higher yield savings you need to have A LOT more money sitting in the savings than most people have saved. for people living paycheck to paycheck or with just a couple hundred saved, they wont even earn 1$ of interest per month so the value of a 1.55% account is actually not that great
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Online banks tend to have better rates because they don't have larger overhead that brick and mortar banks like BofA do. They're able to offer better rates because of this.
CNBC
cnbc.com › cnbc select › banking › 12 best money market accounts of january 2026: earn up to 4.25% apy
12 best money market accounts of January 2026: Earn up to 4.25% APY
2 weeks ago - You earn interest at a higher rate than with an interest-bearing checking account — and even more than a traditional savings account. While the federal government has lifted withdrawal and transfer limits on money market accounts, some banks still place caps (sometimes six a month) on how many checks you can write or ATM withdrawals you can make.
Bank of America
bankofamerica.com › bank of america › banking › access accounts › bank cds
Certificate of Deposit - View CD Rates and Account Options
A CD (certificate of deposit) is a type of deposit account that’s payable at the end of a specified amount of time (referred to as the term). CDs generally pay a fixed rate of interest and can offer a higher interest rate than other types of deposit accounts, depending on the market.
Bankrate
bankrate.com › banking › cds
Best CD Rates Of January 2026 - Up to 4.20% | Bankrate
3 weeks ago - The top rate tracked by Bankrate's editorial team is 4.20 offered by State Employees Credit Union (NC). Before opening a certificate of deposit, be sure to read expert advice and tips below to ensure a financially safe decision. Read more ... First National Bank of America — 3.60% – 4.05% APY, ...
Investopedia
investopedia.com › best-money-market-accounts-5096917
Best Money Market Account Rates for January 2026: Up to 4.10%
2 days ago - ... Maddy Simpson is an experienced data journalist and fact-checker with a background in financial analytics. ... The best money market account rate is 4.10% APY at HUSTL Digital Credit Union and Quontic Bank.
Bank of America
bankofamerica.com › bank of america › savings iras › iras
Open an IRA Savings Account Online from Bank America
Not a Bank of America customer? Visit a financial center to open an account. Open a Variable Rate CD IRA today with a minimum of $XXXX.
Merrill Edge
merrilledge.com › investing › money-market-funds
Money Market Funds: Invest in Money Market Funds Online
A money market fund offers investors an opportunity to grow their savings with minimum risk. Learn more about what money markets are and how to open an account.
Bank of America
bankofamerica.com › bank of america › bank of america advantage savings › savings
Open a Bank of America Advantage Savings Account Online
Qualifying Bank of America Preferred Rewards members can enjoy benefits and rewards on everyday banking, from interest rate boosters to waivers on certain services.