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data-init="titleModuleJS" data-module-parameters='{"skin":"red","isSticky":true,"secondarySticky":"","flagscape":true,"textColor":"white","titleHeadingTag":"h1","titleHeadingRole":false,"pageTitleId":"h1","stickyLevel":1,"isVisuallyHidden":false}' class="title-module-class-v-11-1-3 title-module spa-module-init"><div class="spa-page-title spa-sticky spa-page-title--has-flagscape spa-page-title--red spa-page-title--white-text" data-sticky-full-width="true" data-sticky-level="1"><div class="spa-title-bg-lookup spa-hidden" data-spa-skin="red"><span data-spa-bg-path="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-title-flagscape_red-CSX345e7fd7.svg" class="flagscapeRedImage"></span> <span data-spa-bg-path="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-title-flagscape_crimson-CSX37719e01.svg" class="flagscapeCrimsonImage"></span> <span data-spa-bg-path="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-title-flagscape_gray-CSXc1942577.svg" class="flagscapeGrayImage"></span> <span data-spa-bg-path="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-title-flagscape_red_gradient_large-CSXcf049265.svg" class="flagscapeRedGradientImageLarge"></span> <span data-spa-bg-path="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-title-flagscape_red_gradient_small-CSXa4e54b78.svg" class="flagscapeRedGradientImageSmall"></span></div><div class="spa-page-title-inset row"><div class="column"><h1 data-font="cnx-regular" class="heading title-heading" id="skip-to-h1">Savings IRAs</h1></div></div></div></div><div id="commonScriptsDepositsModule" data-component="module" data-module="common-scripts-deposits-module" data-module-container="3.1.4" data-version="18.0.0" data-sparta-load="primary" data-module-ref="deposits/common-scripts-deposits-module" data-options='{"debug":false,"getRatesUrl":"/salesservices/getProductById?epcCode=","cookieExistUrl":"/salesservices/smsessionCookieExist","initMethods":"eProductSingleCallHandler,equalizeElements,domRelocate","epcCodeList":"","actionFunction":"","triggerIraEvents":true}' data-init="commonScriptsDepositsModuleJS" data-module-parameters='{"epcCodeList":[],"initMethods":["eProductSingleCallHandler","equalizeElements","domRelocate"],"triggerIraEvents":true}' class="common-scripts-deposits-module-class-v-18-0-0 common-scripts-deposits-module spa-module-init"></div><div id="engagementCDModule" data-component="module" data-module="engagement-cd-deposits-module" data-module-container="3.1.4" data-version="13.0.2" data-sparta-load="primary" data-module-ref="deposits/engagement-cd-deposits-module" data-options="{}" data-init="engagementCDModuleJS" data-module-parameters='{"whiteText":false,"numberOfColsMedium":8,"numberOfColsLarge":7}' class="engagement-cd-deposits-module-class-v-13-0-2 engagement-cd-deposits-module spa-module-init"><style type="text/css"></style><div class="container"><span aria-hidden="true"><picture><source media="only screen and (min-width:1025px)" type="image/webp" srcset="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-deposits-module-savings_ira_lg-crushed-CSX1b0e7133.webp"><source media="only screen and (min-width:1025px)" srcset="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-deposits-module-savings_ira_lg-crushed-CSXc6dc027b.jpg"><source media="only screen and (min-width:768px)" type="image/webp" srcset="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-deposits-module-savings_ira_md-crushed-CSXaecef5f1.webp"><source media="only screen and (min-width:768px)" srcset="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-deposits-module-savings_ira_md-crushed-CSX86c1b362.jpg"><source media="only screen and (min-width:1px)" type="image/webp" srcset="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-deposits-module-savings_ira_sm-crushed-CSXce06ea4f.webp"><source media="only screen and (min-width:1px)" srcset="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-deposits-module-savings_ira_sm-crushed-CSX2795170a.jpg"><img src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" alt="Savings IRAS - Retirement savings"></picture></span><div class="rowContainer font-savings-iras"><div class="row"><div class="columns small-12 medium-8 large-7"><div class="content"><h2 role="heading" aria-level="2"><span class="show-for-small-only">Retirement savings you can count on</span> <span class="show-for-medium-only">Retirement savings you can count on</span> <span class="show-for-large-up">Retirement savings you can count on</span></h2><div class="engagement-btn-container"><span class="show-for-medium-up"></span></div></div></div></div></div><div class="row engagement-btn-small"><div class="columns small-12 text-center"><div class="engagement-btn-container"><span class="show-for-small-only"></span></div></div></div></div></div><div id="stickyNavbarDepositsModule" data-component="module" data-module="sticky-navbar-deposits-module" data-module-container="3.1.4" data-version="22.0.0" data-sparta-load="primary" data-module-ref="deposits/sticky-navbar-deposits-module" data-options="{}" data-init="stickyNavbarDepositsModuleJS" data-module-parameters='{"checkSavedApp":false}' class="sticky-navbar-deposits-module-class-v-22-0-0 sticky-navbar-deposits-module spa-module-init"><style type="text/css">.sticky-navbar-deposits-module .scheduleAppointment{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-contact-us-oneonone_micro_icon-crushed-CSX86c4a42b.svg)}.sticky-navbar-deposits-module .scheduleAppointmentMediumUp{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-contact-us-oneonone_micro_icon-crushed-CSX86c4a42b.svg)}</style><style type="text/css">.sticky-navbar-deposits-module .callUs{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-contact-us-callus_micro_icon-crushed-CSX10d58f50.svg)}.sticky-navbar-deposits-module .callUsMediumUp{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-contact-us-callus_micro_icon-crushed-CSX10d58f50.svg)}</style><div class="sticky-nav spa-sticky" data-sticky-level="2"><div class="row"><div class="columns small-12"><ul class="tabs"><li><a id="overview-section-link" href="#overviewProductDepositsModule">Overview</a></li><li><a id="compare-carousel-deposits-module" href="#compareCarouselDepositsModule">Compare</a></li><li><a id="benefits-full-img-deposits-module" href="#securityAndBenefitSection">Benefits</a></li></ul><div class="options-container"><div class="options"><div><span class="buffer-gutter"></span> <a id="open-now-small-bar-link" href="javascript:void(0);" class="button spa-btn spa-btn--primary spa-btn--small" tabindex="-1" aria-hidden="true" style="visibility:hidden!important">Open Now</a> <a id="not-ready-to-open-now-small-bar-link" href="javascript:void(0);" class="button spa-btn spa-btn--reverse spa-btn--small"><span class="buffer-gutter"></span> <span class="notready-medium-up-link">Not ready to open online? </span><span class="buffer-gutter"></span> <span class="ada-hidden" id="not-readytoopenlayerhelper-text"></span><div class="spa-accordion-arrow spa-arrow-btn spa-arrow-btn--learn-more"></div></a></div></div><div class="options-dropdown-menu"><ul class="list" data-font="cnx-regular"><li class="show-for-small-only scheduleAppointment"><a id="scheduleAppointmentSticky" href="https://secure.bankofamerica.com/mycommunications/public/appointments/getTopics.go?marketingCode=BBACDFETRE15_ECDEP_A1000&cm_mmc=olb-general-_-vanity-_-appointments-_-na&orig=landing&request_locale=en_US" class="spa-fn spa-boa-window" data-options='{"windowName":"746bafa6-08a2-11e6-b512-3e1d05defe78","block":true}'>Schedule an appointment</a></li><li class="show-for-medium-up scheduleAppointmentMediumUp"><a id="scheduleAppointmentMediumUpSticky" href="https://secure.bankofamerica.com/mycommunications/public/appointments/getTopics.go?marketingCode=BBACDFETRE15_ECDEP_A1000&cm_mmc=olb-general-_-vanity-_-appointments-_-na&orig=landing&request_locale=en_US" class="spa-fn spa-boa-window" data-options='{"windowName":"746bafa6-08a2-11e6-b512-3e1d05defe78","block":true}'>Schedule an appointment</a></li><li class="show-for-small-only callUs"><a id="callusSticky" href="tel:844.375.7027">Call us</a></li><li class="show-for-medium-up callUsMediumUp"><span class="regular-font"><span class="ada-hidden">Phone number: </span>844.375.7027</span></li></ul></div></div></div></div></div></div></div></div></section><section class="small-centered"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="loadingAnimationModule" data-component="module" data-module="loading-animation-module" data-module-container="3.1.4" data-version="5.0.1" data-sparta-load="primary" data-module-ref="community/loading-animation-module" data-options="{}" data-init="LoadingAnimationModuleJS" data-module-parameters='{"initiallyHidden":false,"removalEvents":["ProductDataLoaded","modal-opened:zip-code-selector-module","ProductDataLoadFailure"],"beginEvents":["modal-closed-code-selector-module"],"querySection":"section","querySectionTarget":"[data-component=\"module\"]","skin":"bare"}' class="loading-animation-module-class-v-5-0-1 loading-animation-module spa-module-init"><div class="loader-container-wrapper"><div class="loader-container"><div class="loader"><span class="ada-hidden">please wait while the page loads</span></div></div></div></div><div id="overviewProductDepositsModule" data-component="module" data-module="overview-product-deposits-module" data-module-container="3.1.4" data-version="16.0.0" data-sparta-load="primary" data-module-ref="deposits/overview-product-deposits-module" data-options="{}" data-init="overviewProductDepositsModuleJS" data-module-parameters="{}" class="overview-product-deposits-module-class-v-16-0-0 overview-product-deposits-module spa-module-init"><style type="text/css">.overview-product-deposits-module .tax-advantaged-retirement-savings{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-icon_cash_red-crushed-CSX33ce1b66.svg)}</style><style type="text/css">.overview-product-deposits-module .fdic-insured{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-icon_change_pin_red-crushed-CSX8c6d2f00.svg)}</style><style type="text/css">.overview-product-deposits-module .automatic-renewal{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-icon_rewards_red-crushed-CSX7a04204c.svg)}</style><div id="overview"><div class="row"><div class="columns small-12 large-10 large-centered"><h2 class="heading">Why use an IRA to save for retirement?</h2><p class="subheading">A <a id="savings-ira-tooltip" href="javascript:void(0);" class="spa-ui-layer-link spa-fn" rel="savings-ira-tooltip-content" data-options='{"rel":"savings-ira-tooltip-content"}'>savings IRA<span class="spa-ada-text ada-hidden"> layer</span></a> can help you make the most of your hard-earned retirement. Here's how:</p></div></div><div id="savings-ira-tooltip-content" class="hide" data-options="{"type":"info"}"><h3 id="savings-ira-tooltip-content_title" class="spa-ui-layer-title" data-font="cnx-bold">What is a savings IRA?</h3><div class="content">A savings IRA is an individual retirement account (IRA) that provides either a tax-deferred or tax-free way for you to save for retirement. There are many different types of IRAs but Roth, Traditional and Rollover IRAs are the most common. Each IRA has certain eligibility requirements and unique features.</div></div><div class="row feature-list"><div class="columns small-12 large-4"><div class="container tax-advantaged-retirement-savings"><h3 class="header">Tax advantages</h3><div class="content">Enjoy tax benefits made to help you put away more.<sup><a class="spa-footnote-link" id="ftn_disclosures.manifests.salesonb.deposits.footnotes.bofa-merrill-tax-legal-advisors-disclaimer.html_link1" data-content-key="disclosures.manifests.salesonb.deposits" data-content-record-key="footnotes.bofa-merrill-tax-legal-advisors-disclaimer.html" data-footnote="disclosures.manifests.salesonb.deposits.footnotes.bofa-merrill-tax-legal-advisors-disclaimer.html" href="#ftn_disclosures.manifests.salesonb.deposits.footnotes.bofa-merrill-tax-legal-advisors-disclaimer.html_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div></div><div class="columns small-12 large-4"><div class="container fdic-insured"><h3 class="header">FDIC insurance</h3><div class="content">Deposits are insured by the FDIC up to $250,000 per depositor.<sup><a class="spa-footnote-link" id="ftn_disclosures.manifests.salesonb.deposits.footnotes.deposits-fdic-insured-information.html_link2" data-content-key="disclosures.manifests.salesonb.deposits" data-content-record-key="footnotes.deposits-fdic-insured-information.html" data-footnote="disclosures.manifests.salesonb.deposits.footnotes.deposits-fdic-insured-information.html" href="#ftn_disclosures.manifests.salesonb.deposits.footnotes.deposits-fdic-insured-information.html_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup><br><a id="fdic-learn-more" href="/help/faq-financial-center.go?request_locale=en_US#anc-faq-qn--10">Learn more about FDIC insurance</a></div></div></div><div class="columns small-12 large-4"><div class="container automatic-renewal"><h3 class="header">Saving on fees</h3><div class="content">No annual or custodial fees on your Bank of America IRA.<sup><a class="spa-footnote-link" id="ftn_custodialFees_link3" data-footnote-content="Bank of America charges no annual IRA custodial fee, however, fees and expenses are subject to change. Please note that other fees and expenses may apply, including early withdrawal penalties and trustee transfer fees. See your <a href="/deposits/resources/personal-schedule-fees.go?request_locale=en_US" rel="noopener noreferrer" id="psof">Personal Schedule of Fees</a> for more information about Bank of America's fees." data-footnote="custodialFees" href="#ftn_custodialFees_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div></div></div></div></div><div id="compareCarouselDeposits" data-component="module" data-module="collapsible-section-deposits-module" data-module-container="3.1.4" data-version="15.0.0" data-sparta-load="primary" data-module-ref="deposits/collapsible-section-deposits-module" data-options="{}" data-init="collapsibleSectionDepositsModuleJS" data-module-parameters='{"headerPartialName":"","headerRemoved":true,"headerStyleOverride":false,"lastCollapsibleSection":false,"negativeColumnMargins":false,"title-position":"left"}' class="collapsible-section-deposits-module-class-v-15-0-0 collapsible-section-deposits-module spa-module-init"><div class="row small-collapse"><div class="columns small-12"><section class="squeezebox-wrapper" data-squeezebox-type="accordion" id="collapsibleAccordionWrapper-compareCarouselDeposits"><div class="squeezebox-panels"><div class="squeezebox-panel" id="collSectionPanel1-compareCarouselDeposits"><div class="row collapse show-for-medium-up"><div class="columns small-12 large-10 large-centered"><h2 class="heading medium-up-hide">Compare IRA options</h2></div></div><a href="javascript:void(0);" class="panel-header spa-oline transparent-background" data-panel="collSectionPanel1-compareCarouselDeposits" id="collSectionPanelLinkcompareCarouselDeposits" role="button"><span class="spa-squeezebox-arrow hide-for-medium-up"></span><h2 class="heading show-for-small-only">Compare IRA options <span class="ada-hidden">, open</span></h2></a><div class="panel-content transparent-background" aria-labelledby="collSectionTab-compareCarouselDeposits"><div class="content"><div class="row"><div class="columns small-12" id="collapsibleSectionChildModulecompareCarouselDeposits"><div id="compareCarouselDepositsModule" data-component="module" data-module="compare-carousel-deposits-module" data-module-container="3.1.4" data-version="16.0.2" data-sparta-load="primary" data-module-ref="deposits/compare-carousel-deposits-module" data-init="compareCarouselDepositsModuleJS" data-module-parameters="{}" class="compare-carousel-deposits-module-class-v-16-0-2 compare-carousel-deposits-module spa-module-init"><div class="row"><div class="medium-12"><h2 class="main-heading show-for-medium-up">Compare IRA options</h2><div class="carousel-viewport"><div class="spa-table-container"><table class="spa-table" summary="" border="0" data-carousel-index="0"><caption class="ada-hidden">Compare Savings IRAs</caption><thead><tr class="row"><th tabindex="0" class="" scope="col"><span class="ada-hidden">Comparison Criteria Row Labels</span></th><th id="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><h3 class="equalize table-heading" equalizer="header-row">Money Market IRA</h3><p class="equalize table-subheading" equalizer="header-row-p">No bank early withdrawal penalty. See details below.</p><a id="schedule-appt-cta" href="https://secure.bankofamerica.com/mycommunications/public/appointments/getTopics.go?marketingCode=IRARSCH_ECBBA_A3000&comment=Consumer%20IRA%20Product%20Inquiry" class="button spa-btn spa-btn--primary spa-btn--small" rel="noopener noreferrer" target="_blank" role="button">Schedule an appointment<span class="ada-hidden">Money Market IRA</span></a></th><th id="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><h3 class="equalize table-heading" equalizer="header-row">Featured IRA CD</h3><p class="equalize table-subheading" equalizer="header-row-p">Early withdrawal penalty applies. See details below.</p><a id="featuredCdIraDialogTrigger" href="javascript:void(0);" class="button spa-btn spa-btn--primary spa-btn--small spa-ui-layer-link spa-fn" rel="featuredCdIraDialog" data-options='{"rel":"featuredCdIraDialog","slidyClass":"always"}' role="button">Get started <span class="ada-hidden">Featured CD IRA</span><span class="spa-ada-text ada-hidden"> layer</span></a></th><th id="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><h3 class="equalize table-heading" equalizer="header-row">Fixed Term IRA CD</h3><p class="equalize table-subheading" equalizer="header-row-p">Early withdrawal penalty applies. See details below.</p><a id="standardTermCdIraDialogTrigger" href="javascript:void(0);" class="button spa-btn spa-btn--primary spa-btn--small spa-ui-layer-link spa-fn" rel="standardTermCdIraDialog" data-options='{"rel":"standardTermCdIraDialog","slidyClass":"always"}' role="button">Get started <span class="ada-hidden">Fixed Term CD IRA</span><span class="spa-ada-text ada-hidden"> layer</span></a></th><th id="riskFreeIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><h3 class="equalize table-heading" equalizer="header-row">Flexible IRA CD</h3><p class="equalize table-subheading" equalizer="header-row-p">Early withdrawal penalty applies. See details below.</p><a id="getStartedFlexibleCDIRA" href="javascript:void(0);" class="button spa-btn spa-btn--primary spa-btn--small spa-ui-layer-link spa-fn" rel="riskFreeCdIraDialog" data-options='{"rel":"riskFreeCdIraDialog","slidyClass":"always"}' role="button">Get started <span class="ada-hidden">Flexible CD IRA</span><span class="spa-ada-text ada-hidden"> layer</span></a></th></tr></thead><tbody><tr class="row"><th tabindex="0" scope="row"><div>Minimum opening deposit<br>($250,000 maximum when opening online.)</div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="Minimum opening deposit<br>($250,000 maximum when opening online.)" equalizer-mq="small-only"><div><span class="product-data" data-ajax-epccode="FSDPTDZZI1078F3QG71" data-ajax-key="minimumOpeningBalance">$100</span></div></div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="Minimum opening deposit<br>($250,000 maximum when opening online.)" equalizer-mq="small-only"><div><span class="product-data" data-ajax-epccode="ALL-FEATURED-IRA" data-ajax-key="minimumOpeningBalance">$1,000</span></div></div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="Minimum opening deposit<br>($250,000 maximum when opening online.)" equalizer-mq="small-only"><div><span class="product-data" data-ajax-epccode="ALL-SAVINGS-IRA" data-ajax-key="minimumOpeningBalance">$1,000</span></div></div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="Minimum opening deposit<br>($250,000 maximum when opening online.)" equalizer-mq="small-only"><div><span class="product-data" data-ajax-epccode="ALL-FLEXIBLE-CD-IRA" data-ajax-key="minimumOpeningBalance">$1,000</span></div></div></td></tr><tr class="row"><th tabindex="0" scope="row"><div>FDIC Insured?</div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="FDIC Insured?" equalizer-mq="small-only">Deposits are insured by the FDIC up to $250,000 per depositor.</div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="FDIC Insured?" equalizer-mq="small-only">Deposits are insured by the FDIC up to $250,000 per depositor.</div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="FDIC Insured?" equalizer-mq="small-only">Deposits are insured by the FDIC up to $250,000 per depositor.</div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="FDIC Insured?" equalizer-mq="small-only">Deposits are insured by the FDIC up to $250,000 per depositor.</div></td></tr><tr class="row"><th tabindex="0" scope="row"><div>Term</div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="Term" equalizer-mq="small-only"><div>None</div></div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="Term" equalizer-mq="small-only">Choose from multiple options:<br><span class="product-data" data-ajax-epccode="ALL-FEATURED-IRA" data-ajax-key="minTermMonths">XXXX</span> to <span class="product-data" data-ajax-epccode="ALL-FEATURED-IRA" data-ajax-key="maxTermMonths">XXXX</span><br><a id="see-todays-cd-ira-rates" href="/deposits/bank-account-interest-rates/" target="_blank">See available terms and rates</a></div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="Term" equalizer-mq="small-only">Choose any term:<br><span class="product-data" data-ajax-epccode="ALL-SAVINGS-IRA" data-ajax-key="minTermMonths">XXXX</span> to <span class="product-data" data-ajax-epccode="ALL-SAVINGS-IRA" data-ajax-key="maxTermMonths">XXXX</span><br><a id="see-todays-cd-ira-rates" href="/deposits/bank-account-interest-rates/" target="_blank">See available terms and rates</a></div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="Term" equalizer-mq="small-only">Open a 12 month term online.<br><a id="see-todays-cd-ira-rates" href="/deposits/bank-account-interest-rates/" target="_blank">See available terms and rates</a></div></td></tr><tr class="row"><th tabindex="0" scope="row"><div>Annual percentage yield (APY)</div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="Annual percentage yield (APY)" equalizer-mq="small-only"><div>Call us for rates or to open an account: <span class="heavy-text">888.827.1812</span></div></div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="Annual percentage yield (APY)" equalizer-mq="small-only"><span class="ada-hidden">For Featured CD IRA, </span><span class="product-data" data-ajax-epccode="ALL-FEATURED-IRA" data-ajax-key="minRate">X.XX</span>–<span class="product-data" data-ajax-epccode="ALL-FEATURED-IRA" data-ajax-key="maxRate">X.XX</span>%<sup><a class="spa-footnote-link" id="ftn_featuredCdIrasRate_link1" data-footnote-content="Annual Percentage Yield (APY) is accurate as of <span class="product-data" data-ajax-epccode="FSDPTDZZI2K2FDOK41" data-ajax-key="timeStamp">XX/XX/XXXX</span> and applies to the initial term of a new Featured CD IRA. We may limit the amount you deposit in one or more Featured CD IRAs to a total of $1,000,000 ($250,000 for CD IRAs 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." data-footnote="featuredCdIrasRate" href="#ftn_featuredCdIrasRate_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup><div>depending on balance and term</div></div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="Annual percentage yield (APY)" equalizer-mq="small-only"><div><span class="product-data" data-ajax-epccode="ALL-SAVINGS-IRA" data-ajax-key="minRate">X.XX</span>-<span class="product-data" data-ajax-epccode="ALL-SAVINGS-IRA" data-ajax-key="maxRate">X.XX</span>%<sup><a class="spa-footnote-link" id="ftn_interestRateFixedForTerm_link2" data-footnote-content="Annual Percentage Yield (APY) is accurate as of <span class="product-data" data-ajax-epccode="FSDPTDZZI1078F3NZ21" data-ajax-key="timeStamp">XX/XX/XXXX</span> and applies to the initial term of a new Fixed Term CD IRA. We may limit the amount you deposit in one or more Fixed CD IRAs to a total of $1,000,000 ($250,000 for CD IRAs 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." data-footnote="interestRateFixedForTerm" href="#ftn_interestRateFixedForTerm_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div><span>depending on balance and term</span></div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="Annual percentage yield (APY)" equalizer-mq="small-only"><div><span class="product-data" data-ajax-epccode="ALL-FLEXIBLE-CD-IRA" data-ajax-key="minRate">X.XX</span>-<span class="product-data" data-ajax-epccode="ALL-FLEXIBLE-CD-IRA" data-ajax-key="maxRate">X.XX</span>%<sup><a class="spa-footnote-link" id="ftn_riskFreeRate_link3" data-footnote-content="Annual Percentage Yield (APY) is accurate as of <span class="product-data" data-ajax-epccode="FSDPTDZZI1ST839A1B2" data-ajax-key="timeStamp">XX/XX/XXXX</span> and applies to the initial term of a new Flexible CD IRA. Flexible CD IRAs have a 12 month term. We may limit the amount you deposit in one or more Flexible CD IRAs to a total of $1,000,000 ($250,000 for CD IRAs opened through bankofamerica.com). We may change the interest rate and APY at any time before account opening without prior notice. Alternative terms are not allowed. Fees could reduce earnings on the account. Additional restrictions may apply." data-footnote="riskFreeRate" href="#ftn_riskFreeRate_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div>depending on balance and term</div></td></tr><tr class="row"><th tabindex="0" scope="row"><div>Automatic renewal? (IRA CDs only)<sup><a class="spa-footnote-link" id="ftn_cdIRAAutomaticRenewal_link4" data-footnote-content="We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your bank CD IRA by giving you notice. If we make a change, we tell you about the change in the maturity notice. Ask your local financial center associate for details, terms and current rates." data-footnote="cdIRAAutomaticRenewal" href="#ftn_cdIRAAutomaticRenewal_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="Automatic renewal? (IRA CDs only)<sup><a class='spa-footnote-link' id='ftn_cdIRAAutomaticRenewal_link4' data-footnote-content='We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your bank CD IRA by giving you notice. If we make a change, we tell you about the change in the maturity notice. Ask your local financial center associate for details, terms and current rates.' data-footnote='cdIRAAutomaticRenewal' href='#ftn_cdIRAAutomaticRenewal_content'><span class='spa-footnote-order'><span class='ada-hidden'>adatext</span></span></a></sup>" equalizer-mq="small-only">No set terms — you choose when to redeem your account</div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="Automatic renewal? (IRA CDs only)<sup><a class='spa-footnote-link' id='ftn_cdIRAAutomaticRenewal_link4' data-footnote-content='We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your bank CD IRA by giving you notice. If we make a change, we tell you about the change in the maturity notice. Ask your local financial center associate for details, terms and current rates.' data-footnote='cdIRAAutomaticRenewal' href='#ftn_cdIRAAutomaticRenewal_content'><span class='spa-footnote-order'><span class='ada-hidden'>adatext</span></span></a></sup>" equalizer-mq="small-only">At maturity, 7, 10, 13, 25 and 37 Month Featured IRA CDs will automatically renew into a 3 Month Flexible IRA CD unless you make a change during the 7-day grace period. The current APY on the 3 Month Flexible IRA CD is 0.10%. Your rate will be determined at maturity. See <a id="depositRateSheet" href="/deposits/bank-account-interest-rates/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c345-45f0-99af-428f7f7ded19","block":true}'>Deposit Rate Sheet</a> for more detail about the APY.</div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="Automatic renewal? (IRA CDs only)<sup><a class='spa-footnote-link' id='ftn_cdIRAAutomaticRenewal_link4' data-footnote-content='We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your bank CD IRA by giving you notice. If we make a change, we tell you about the change in the maturity notice. Ask your local financial center associate for details, terms and current rates.' data-footnote='cdIRAAutomaticRenewal' href='#ftn_cdIRAAutomaticRenewal_content'><span class='spa-footnote-order'><span class='ada-hidden'>adatext</span></span></a></sup>" equalizer-mq="small-only">These products will automatically renew for the same term.</div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="Automatic renewal? (IRA CDs only)<sup><a class='spa-footnote-link' id='ftn_cdIRAAutomaticRenewal_link4' data-footnote-content='We send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your bank CD IRA by giving you notice. If we make a change, we tell you about the change in the maturity notice. Ask your local financial center associate for details, terms and current rates.' data-footnote='cdIRAAutomaticRenewal' href='#ftn_cdIRAAutomaticRenewal_content'><span class='spa-footnote-order'><span class='ada-hidden'>adatext</span></span></a></sup>" equalizer-mq="small-only">At maturity, a 12 Month Flexible IRA CD will automatically renew into a 3 Month Flexible IRA CD unless you make a change during the 7-day grace period. The current APY on the 3 Month Flexible IRA CD is 0.10%. Your rate will be determined at maturity. See <a id="depositRateSheet" href="/deposits/bank-account-interest-rates/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c345-45f0-99af-428f7f7ded19","block":true}'>Deposit Rate Sheet</a> for more detail about the APY.</div></td></tr><tr class="row"><th tabindex="0" scope="row"><div>Additional deposits allowed?</div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="Additional deposits allowed?" equalizer-mq="small-only">At any time</div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="Additional deposits allowed?" equalizer-mq="small-only">No additional deposits until maturity</div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="Additional deposits allowed?" equalizer-mq="small-only">No additional deposits until maturity</div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="Additional deposits allowed?" equalizer-mq="small-only">No additional deposits until maturity</div></td></tr><tr class="row"><th tabindex="0" scope="row"><div>Early withdrawal penalty?</div></th><td data-aria-labelledby="criteria-moneyMarketIra-0" headers="moneyMarketIra" class="col-0 sm-two-col" data-idx="0" scope="col"><div id="criteria-moneyMarketIra-0" class="cell-content equalize" equalizer="Early withdrawal penalty?" equalizer-mq="small-only">No bank early withdrawal penalty, however, a withdrawal from an IRA may be subject to a federal tax penalty (and possibly additional state and local taxes) if you are under age 59 ½.</div></td><td data-aria-labelledby="criteria-featuredCdIra-1" headers="featuredCdIra" class="col-1 sm-two-col" data-idx="1" scope="col"><div id="criteria-featuredCdIra-1" class="cell-content equalize" equalizer="Early withdrawal penalty?" equalizer-mq="small-only">An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your IRA. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. For more detail about the penalty calculation and how grace periods are determined, see <a id="depositAgreement" href="/deposits/resources/deposit-agreements.go?request_locale=en_US">Deposit Agreement and Disclosures</a> and <a id="depositRateSheet" href="/deposits/bank-account-interest-rates/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c345-45f0-99af-428f7f7ded19","block":true}'>Deposit Rate Sheet</a>. A withdrawal from an IRA may also be subject to a federal tax penalty (and possibly additional state and local taxes) if you are under age 59 ½.</div></td><td data-aria-labelledby="criteria-standardTermCdIra-2" headers="standardTermCdIra" class="sm-offscreen sm-offsides col-2 sm-two-col" data-idx="2" scope="col"><div id="criteria-standardTermCdIra-2" class="cell-content equalize" equalizer="Early withdrawal penalty?" equalizer-mq="small-only">An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your IRA. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. For more detail about the penalty calculation and how grace periods are determined, see <a id="depositAgreement" href="/deposits/resources/deposit-agreements.go?request_locale=en_US">Deposit Agreement and Disclosures</a> and <a id="depositRateSheet" href="/deposits/bank-account-interest-rates/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c345-45f0-99af-428f7f7ded19","block":true}'>Deposit Rate Sheet</a>. A withdrawal from an IRA may also be subject to a federal tax penalty (and possibly additional state and local taxes) if you are under age 59 ½.</div></td><td data-aria-labelledby="criteria-riskFreeCdIra-3" headers="riskFreeCdIra" class="sm-offscreen col-3 sm-two-col" data-idx="3" scope="col"><div id="criteria-riskFreeCdIra-3" class="cell-content equalize" equalizer="Early withdrawal penalty?" equalizer-mq="small-only">We will waive the early withdrawal penalty except in connection with any withdrawals you request within the first 6 days of the account term (or the first 6 days following any partial withdrawal). A withdrawal from an IRA may also be subject to a federal tax penalty (and possibly additional state and local taxes) if you are under age 59 ½. See <a id="depositAgreement" href="/deposits/resources/deposit-agreements.go?request_locale=en_US">Deposit Agreement and Disclosures</a> and <a id="depositRateSheet" href="/deposits/bank-account-interest-rates/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c345-45f0-99af-428f7f7ded19","block":true}'>Deposit Rate Sheet</a> for more detail about the penalty calculation.</div></td></tr></tbody></table></div><div class="show-for-small-only row"><div class="button-bar clicked"><button data-scroll="left" class="hidden carousel-ctrl left"><div class="chevron"></div></button></div><div class="button-bar"><button data-scroll="right" class="hidden carousel-ctrl right"><div class="chevron"></div></button></div></div></div><div id="squeezebox-append-target" data-append-child="overviewOtherAccountsDepositsModule"></div></div></div><div id="featuredCdIraDialog" class="hide" data-options="{"type":"modal","width":"600","slideyViewports":["small","medium","mediumCentered","large","largeCentered","xlarge","xxlarge"]}"><h1 id="featuredCdIraDialog_title" class="spa-ui-layer-title" data-font="cnx-bold">Featured CD IRA</h1><div class="content"><div class="info-container"><div class="info-icon-panel" aria-hidden="true"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-info_icon-crushed-CSXddb7fae5.svg"></div><div class="info-content"><p>Only current Online Banking users can open this account online.</p><p>Not a Bank of America Online Banking user? <a id="visitFinancialCenter" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c6ef-45f0-99af-428f7f7ded19","block":true}'>Visit a financial center</a> to open your IRA.</p></div></div><div class="promo-container"></div><div class="rates-container"><div class="dynamic-rates"><h4>Before we open your Featured CD IRA, choose your term and opening deposit amount. There is a $250,000 maximum amount for opening online.</h4><div class="dynamic-rates-content"><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="featuredCdIra-termSelect">Term<span class="ada-hidden"></span></label><select id="featuredCdIra-termSelect" class="spa-input-select" value="" data-val="" aria-describedby="featuredCdIra-termSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="featuredCdIra-termSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="featuredCdIra-termSelect_errorMessage" aria-hidden="true"></div></div><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="featuredCdIra-amountSelect">Opening deposit amount<span class="ada-hidden"></span></label><select id="featuredCdIra-amountSelect" class="spa-input-select" value="" data-val="" aria-describedby="featuredCdIra-amountSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="featuredCdIra-amountSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="featuredCdIra-amountSelect_errorMessage" aria-hidden="true"></div></div><div class="info-container"><div class="info-icon-panel" aria-hidden="true"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-info_icon-crushed-CSXddb7fae5.svg"></div><div class="info-content"><p>For deposits over $250,000, <a id="visitFinancialCenter" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c6ef-45f0-99af-428f7f7ded19","block":true}'>Visit a financial center</a> to open your account.</p></div></div><table><tr><th>Interest Rate</th><th><abbr title="Annual Percentage Yield">APY</abbr></th></tr><tr><td><span id="featuredCdIra-rate"></span></td><td><span id="featuredCdIra-apy"></span></td></tr></table></div></div></div><div class="ira-type-container"><h4>Now, choose your IRA type</h4><p class="subheader"></p><div class="spa-input spa-input-options spa-input--sparta2"><fieldset class="spa-fieldset" aria-describedby="undefined_errorMessage undefined-hint-text" id="undefined"><legend class="spa-fieldset-label" for="undefined" aria-hidden="false"><span class="ada-hidden"></span></legend><div class="spa-input-options-list spa-input-options-list--vertical"><div class="spa-input-options-wrapper"><input type="radio" id="rb-featuredCdIra-traditional" value="Traditional" producttype="IRA" class="spa-input-option spa-input-option--radio" name="featuredCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-featuredCdIra-traditional"><span class="ada-hidden">Open a </span>Traditional IRA<span class="rb-comment">Contributions may be tax-deductible. Withdrawals of qualified earnings are tax-free.</span><span class="ada-hidden"></span></label></div><div class="spa-input-options-wrapper"><input type="radio" id="rb-featuredCdIra-roth" value="Roth" producttype="IRA" class="spa-input-option spa-input-option--radio" name="featuredCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-featuredCdIra-roth"><span class="ada-hidden">Open a </span>Roth IRA<span class="rb-comment">Contributions aren't tax-deductible, but withdrawals of your contributions are tax-free.</span><span class="ada-hidden"></span></label></div></div><p id="undefined-hint-text" class="spa-input-options-hint"></p><div id="undefined_errorMessage" class="spa-input-error-message spa-icon--error" aria-hidden="true"></div></fieldset></div></div><div class="open-btn-container"><span class="show-for-small-only"><a id="featuredCdIraOpenSmall" href="/deposits/iras/retirement-accounts/savings-iras/featured-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--small open-btn" role="button">Open now</a> </span><span class="show-for-medium-up"><a id="featuredCdIraOpenMediumUp" href="/deposits/iras/retirement-accounts/savings-iras/featured-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--medium open-btn cd-ira" role="button">Open now</a></span></div></div></div><div id="standardTermCdIraDialog" class="hide" data-options="{"type":"modal","width":"600","slideyViewports":["small","medium","mediumCentered","large","largeCentered","xlarge","xxlarge"]}"><h1 id="standardTermCdIraDialog_title" class="spa-ui-layer-title" data-font="cnx-bold">Fixed Term IRA CD</h1><div class="content"><div class="info-container"><div class="info-icon-panel" aria-hidden="true"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-info_icon-crushed-CSXddb7fae5.svg"></div><div class="info-content"><p>Only current Online Banking users can open this account online.</p><p>Not a Bank of America Online Banking user? <a id="visitFinancialCenter" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c6ef-45f0-99af-428f7f7ded19","block":true}'>Visit a financial center</a> to open your IRA.</p></div></div><div class="promo-container"></div><div class="rates-container"><div class="dynamic-rates"><h4>Before we open your Fixed Term CD IRA, choose your term and opening deposit amount. There is a $250,000 maximum amount for opening online.</h4><div class="dynamic-rates-content"><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="standardTermCdIra-termSelect">Term<span class="ada-hidden"></span></label><select id="standardTermCdIra-termSelect" class="spa-input-select" value="" data-val="" aria-describedby="standardTermCdIra-termSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="standardTermCdIra-termSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="standardTermCdIra-termSelect_errorMessage" aria-hidden="true"></div></div><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="standardTermCdIra-amountSelect">Opening deposit amount<span class="ada-hidden"></span></label><select id="standardTermCdIra-amountSelect" class="spa-input-select" value="" data-val="" aria-describedby="standardTermCdIra-amountSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="standardTermCdIra-amountSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="standardTermCdIra-amountSelect_errorMessage" aria-hidden="true"></div></div><table><tr><th>Interest Rate</th><th><abbr title="Annual Percentage Yield">APY</abbr></th></tr><tr><td><span id="standardTermCdIra-rate"></span></td><td><span id="standardTermCdIra-apy"></span></td></tr></table></div></div></div><div class="ira-type-container"><h4>Now, choose your IRA type</h4><p class="subheader"></p><div class="spa-input spa-input-options spa-input--sparta2"><fieldset class="spa-fieldset" aria-describedby="undefined_errorMessage undefined-hint-text" id="undefined"><legend class="spa-fieldset-label" for="undefined" aria-hidden="false"><span class="ada-hidden"></span></legend><div class="spa-input-options-list spa-input-options-list--vertical"><div class="spa-input-options-wrapper"><input type="radio" id="rb-standardTermCdIra-traditional" value="Traditional" producttype="IRA" class="spa-input-option spa-input-option--radio" name="standardTermCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-standardTermCdIra-traditional"><span class="ada-hidden">Open a </span>Traditional IRA<span class="rb-comment">Contributions may be tax-deductible. Withdrawals of qualified earnings are tax-free.</span><span class="ada-hidden"></span></label></div><div class="spa-input-options-wrapper"><input type="radio" id="rb-standardTermCdIra-roth" value="Roth" producttype="IRA" class="spa-input-option spa-input-option--radio" name="standardTermCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-standardTermCdIra-roth"><span class="ada-hidden">Open a </span>Roth IRA<span class="rb-comment">Contributions aren't tax-deductible, but withdrawals of your contributions are tax-free.</span><span class="ada-hidden"></span></label></div></div><p id="undefined-hint-text" class="spa-input-options-hint"></p><div id="undefined_errorMessage" class="spa-input-error-message spa-icon--error" aria-hidden="true"></div></fieldset></div></div><div class="open-btn-container"><span class="show-for-small-only"><a id="standardTermCdIraOpenSmall" href="/deposits/iras/retirement-accounts/savings-iras/standard-term-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--small open-btn" role="button">Open now</a> </span><span class="show-for-medium-up"><a id="standardTermCdIraOpenMediumUp" href="/deposits/iras/retirement-accounts/savings-iras/standard-term-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--medium open-btn cd-ira" role="button">Open now</a></span></div></div></div><div id="riskFreeCdIraDialog" class="hide" data-options="{"type":"modal","width":"600","slideyViewports":["small","medium","mediumCentered","large","largeCentered","xlarge","xxlarge"]}"><h1 id="riskFreeCdIraDialog_title" class="spa-ui-layer-title" data-font="cnx-bold">Flexible IRA CD</h1><div class="content"><div class="info-container"><div class="info-icon-panel" aria-hidden="true"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-info_icon-crushed-CSXddb7fae5.svg"></div><div class="info-content"><p>Only current Online Banking users can open this account online.</p><p>Not a Bank of America Online Banking user? <a id="visitFinancialCenter" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c6ef-45f0-99af-428f7f7ded19","block":true}'>Visit a financial center</a> to open your IRA.</p></div></div><div class="promo-container"></div><div class="rates-container"><div class="dynamic-rates"><h4>Before we open your Flexible CD IRA, choose your term and opening deposit amount. There is a $250,000 maximum amount for opening online.</h4><div class="dynamic-rates-content"><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="flexibleCdIra-termSelect">Term<span class="ada-hidden"></span></label><select id="flexibleCdIra-termSelect" class="spa-input-select" value="" data-val="" aria-describedby="flexibleCdIra-termSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="flexibleCdIra-termSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="flexibleCdIra-termSelect_errorMessage" aria-hidden="true"></div></div><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="flexibleCdIra-amountSelect">Opening deposit amount<span class="ada-hidden"></span></label><select id="flexibleCdIra-amountSelect" class="spa-input-select" value="" data-val="" aria-describedby="flexibleCdIra-amountSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="flexibleCdIra-amountSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="flexibleCdIra-amountSelect_errorMessage" aria-hidden="true"></div></div><div class="info-container"><div class="info-icon-panel" aria-hidden="true"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-info_icon-crushed-CSXddb7fae5.svg"></div><div class="info-content"><p>For deposits over $250,000, <a id="visitFinancialCenter" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"ad610f6e-c6ef-45f0-99af-428f7f7ded19","block":true}'>Visit a financial center</a> to open your account.</p></div></div><table><tr><th>Interest Rate</th><th><abbr title="Annual Percentage Yield">APY</abbr></th></tr><tr><td><span id="flexibleCdIra-rate"></span></td><td><span id="flexibleCdIra-apy"></span></td></tr></table></div></div></div><div class="ira-type-container"><h4>Now, choose your IRA type</h4><p class="subheader"></p><div class="spa-input spa-input-options spa-input--sparta2"><fieldset class="spa-fieldset" aria-describedby="undefined_errorMessage undefined-hint-text" id="undefined"><legend class="spa-fieldset-label" for="undefined" aria-hidden="false"><span class="ada-hidden"></span></legend><div class="spa-input-options-list spa-input-options-list--vertical"><div class="spa-input-options-wrapper"><input type="radio" id="rb-flexibleCdIra-traditional" value="Traditional" producttype="IRA" class="spa-input-option spa-input-option--radio" name="flexibleCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-flexibleCdIra-traditional"><span class="ada-hidden">Open a </span>Traditional IRA<span class="rb-comment">Contributions may be tax-deductible. Withdrawals of qualified earnings are tax-free.</span><span class="ada-hidden"></span></label></div><div class="spa-input-options-wrapper"><input type="radio" id="rb-flexibleCdIra-roth" value="Roth" producttype="IRA" class="spa-input-option spa-input-option--radio" name="flexibleCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-flexibleCdIra-roth"><span class="ada-hidden">Open a </span>Roth IRA<span class="rb-comment">Contributions aren't tax-deductible, but withdrawals of your contributions are tax-free.</span><span class="ada-hidden"></span></label></div></div><p id="undefined-hint-text" class="spa-input-options-hint"></p><div id="undefined_errorMessage" class="spa-input-error-message spa-icon--error" aria-hidden="true"></div></fieldset></div></div><div class="open-btn-container"><span class="show-for-small-only"><a id="flexibleCdIraOpenSmall" href="/deposits/iras/retirement-accounts/savings-iras/flexible-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--small open-btn" role="button">Open now</a> </span><span class="show-for-medium-up"><a id="flexibleCdIraOpenMediumUp" href="/deposits/iras/retirement-accounts/savings-iras/flexible-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--medium open-btn cd-ira" role="button">Open now</a></span></div></div></div></div></div></div></div></div></div></div></section></div></div></div><div id="slideyDepositsModule" data-component="module" data-module="slidey-deposits-module" data-module-container="3.1.4" data-version="17.0.0" data-sparta-load="primary" data-module-ref="deposits/slidey-deposits-module" data-options='{"closeTriggers":""}' data-init="slideyDepositsModuleJS" data-module-parameters='{"closeTriggers":"","disclosuresGridTenColumns":false,"fullWidthDisclosures":false,"hideGlobalFooterDisclosures":false,"negativeColumnMargins":false,"noBottomPadding":false,"runCommonScriptsOnOpen":[],"showCart":false}' class="slidey-deposits-module-class-v-17-0-0 slidey-deposits-module spa-module-init"><div id="slidey-container" class="hide"><style type="text/css">#slidey-container .header-container{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-title-flagscape_red-crushed-CSXe9969a0f.svg)}</style><div class="header-container"><div class="row"><div class="columns small-12"><div id="header-content" tabindex="0"></div></div></div></div><div class="link-container"><div class="row"><div class="columns small-12"><a id="slidy-close-link" href="javascript:void(0);" class="close">Return to previous page</a></div></div></div><div class="modal-container"><div class="row"><div class="columns small-12"><div class="content-container"></div><div class="modal-disclosures has-max-width"></div></div></div></div></div></div><div id="overviewOtherAccountsDepositsModule" data-component="module" data-module="overview-other-accounts-deposits-module" data-module-container="3.1.4" data-version="17.0.1" data-sparta-load="primary" data-module-ref="deposits/overview-other-accounts-deposits-module" data-init="overviewAccountsDepositsModuleJS" data-module-parameters="{}" class="overview-other-accounts-deposits-module-class-v-17-0-1 overview-other-accounts-deposits-module spa-module-init"><style type="text/css">.overview-other-accounts-deposits-module .student-fee-waiver{background-image:url('')}.overview-other-accounts-deposits-module .btnContainer-image{background-image:url('')}</style><div class="row collapse"><div class="columns small-12 large-10 large-centered"><div class="row"><div class="columns small-12"><h2 class="tiles-header">Other long-term savings accounts available</h2></div></div><div class="row flex-container"><div class="columns small-12 large-6 tile"><div class="tile-container"><div class="tile-content"><div class="description equalize" equalizer="tileDescription" equalizer-mq="large-up"><div class="heading"></div><h3 class="subheading">Variable Rate CD IRA</h3></div><div class="equalize" equalizer="other-description" equalizer-mq="large-up"><div class="description-text"><p class="descriptionText">Stay flexible and make deposits anytime</p></div></div><div class="equalize" equalizer="other-links" equalizer-mq="large-up"><div class="learn-more-link"><div class="btnContainer"><a id="variable-rate-cd-ira" href="javascript:void(0);" class="spa-btn spa-btn--small link spa-ui-layer-link spa-fn" rel="variableRateCdIraDialog" data-options='{"rel":"variableRateCdIraDialog","slidyClass":"always"}'>Learn more about Variable Rate CD IRAs<span class="spa-ada-text ada-hidden"> layer</span></a></div></div></div></div></div></div><div class="columns small-12 large-6 tile"><div class="tile-container"><div class="tile-content"><div class="description equalize" equalizer="tileDescription" equalizer-mq="large-up"><div class="heading"></div><h3 class="subheading">Certificate of Deposit (CD) Accounts</h3></div><div class="equalize" equalizer="other-description" equalizer-mq="large-up"><div class="description-text"><p class="descriptionText"></p><div class="descriptionText">Competitive rates with multiple terms available</div><p></p></div></div><div class="equalize" equalizer="other-links" equalizer-mq="large-up"><div class="learn-more-link"><div class="btnContainer"><a id="learn-more-cd-accounts" href="/deposits/bank-cds/cd-accounts/" class="spa-btn spa-btn--small link">Learn more about CDs</a></div></div></div></div></div></div><div class="columns small-12 after-content"><h4 class="post-header"><span>Not a Bank of America online banking customer?</span></h4><div class="post-content"><a id="visit" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"060b9fe6-dc56-4c1a-bb66-f482f55a3fc3","block":true}'>Visit a financial center</a> to open an IRA.</div><h4 class="post-header"><span>More questions?</span></h4><div class="post-content"><a id="ira-faqs" href="/deposits/manage/faq-iras.go?request_locale=en_US" class="spa-fn spa-boa-window" data-options='{"windowName":"060b2fe6-dc56-4c1a-bb66-f482955a3fc3","block":true}'>Check out IRA FAQs</a></div></div></div><div id="variableRateCdIraDialog" class="hide" data-options="{"type":"modal","width":"600","slideyViewports":["small","smallMid","smallPlus","medium","mediumCentered","large","largeCentered","xlarge","xxlarge"]}"><h1 id="variableRateCdIraDialog_title" class="spa-ui-layer-title" data-font="cnx-bold">Variable Rate CD IRA</h1><div class="content"><div class="info-container"><div class="info-icon-panel" aria-hidden="true"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-info_icon-crushed-CSXddb7fae5.svg"></div><div class="info-content"><p>Current Bank of America online banking customers are eligible to open an IRA account online.</p><p>Not a Bank of America customer? <a id="visit" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"windowName":"060b9fe6-dc56-4c1a-bb66-f482f55a3fc3","block":true}'>Visit a financial center</a> to open an account.</p></div></div><div class="promo-container"><p>Open a Variable Rate CD IRA today with a minimum of <span class="product-data" data-ajax-epccode="FSDPTDZZI1078F3Q721" data-ajax-key="minimumOpeningBalance">$XXXX</span>. Earn a variable rate of interest over a fixed term - and benefit from the tax advantages of an IRA.<sup><a id="link_fnote_ratesMayChange" class="fnote-link" href="#fnote_ratesMayChange"><span class="ada-hidden">Footnote</span><span class="fnote-link-text"></span></a></sup></p><p><strong>Minimum opening deposit:</strong> <span class="product-data" data-ajax-epccode="FSDPTDZZI1078F3Q721" data-ajax-key="minimumOpeningBalance">$XXXX</span></p><p><strong>Maximum when opening online:</strong> $250,000</p><p><strong>Renewal:</strong> Change terms at renewal or renew at the same term automatically</p><p><strong>Additional deposits:</strong> At any time</p></div><div class="rates-container"><div class="dynamic-rates"><h4>What length of term would you like?</h4><div class="dynamic-rates-content"><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="variableRateCdIra-termSelect">Select CD term<span class="ada-hidden"></span></label><select id="variableRateCdIra-termSelect" class="spa-input-select" value="" data-val="" aria-describedby="variableRateCdIra-termSelect_errorMessage "><option value=""> </option></select><p class="spa-input-hint" id="variableRateCdIra-termSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="variableRateCdIra-termSelect_errorMessage" aria-hidden="true"></div></div><table><tr><th>Interest Rate</th><th><abbr title="Annual Percentage Yield">APY</abbr></th></tr><tr><td><span id="variableRateCdIra-rate">XXXX%</span></td><td><span id="variableRateCdIra-apy">XXXX%</span></td></tr></table></div></div></div><div class="ira-type-container"><h4>Which type of IRA would you like to open?</h4><p class="subheader">Variable Rate CD IRAs are available in both Traditional and Roth.</p><div class="spa-input spa-input-options spa-input--sparta2"><fieldset class="spa-fieldset" aria-describedby="undefined_errorMessage undefined-hint-text" id="undefined"><legend class="spa-fieldset-label" for="undefined" aria-hidden="false">undefined<span class="ada-hidden"></span></legend><div class="spa-input-options-list spa-input-options-list--vertical"><div class="spa-input-options-wrapper"><input type="radio" id="rb-variableRateCdIra-traditional" value="Traditional" producttype="IRA" class="spa-input-option spa-input-option--radio" name="variableRateCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-variableRateCdIra-traditional"><span class="ada-hidden">Open a </span>Traditional IRA<span class="rb-comment">Traditional IRA contributions may be tax-deductible and withdrawals of qualified earnings are tax-free</span><span class="ada-hidden"></span></label></div><div class="spa-input-options-wrapper"><input type="radio" id="rb-variableRateCdIra-roth" value="Roth" producttype="IRA" class="spa-input-option spa-input-option--radio" name="variableRateCdIra-type-cdIra"><span class="spa-input-check"> </span><label class="spa-input-option-label" for="rb-variableRateCdIra-roth"><span class="ada-hidden">Open a </span>Roth IRA<span class="rb-comment">Roth IRA contributions are not tax-deductible but contributions you withdraw are tax-free</span><span class="ada-hidden"></span></label></div></div><p id="undefined-hint-text" class="spa-input-options-hint"></p><div id="undefined_errorMessage" class="spa-input-error-message spa-icon--error" aria-hidden="true"></div></fieldset></div></div><div class="open-btn-container"><span class="show-for-small-only"><a id="variableRateCdIraOpenSmall" href="/deposits/iras/retirement-accounts/savings-iras/variable-rate-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--small open-btn">Open now</a> </span><span class="show-for-medium-up"><a id="variableRateCdIraOpenMediumUp" href="/deposits/iras/retirement-accounts/savings-iras/variable-rate-cd-ira/before-you-apply/" class="button spa-btn spa-btn--primary spa-btn--medium open-btn cd-ira">Open now</a></span></div><div class="footnotes-container"><ol><li value="1" id="fnote_ratesMayChange" class="fnote" tabindex="-1">These rates may change at any time after the account is opened without prior notice.</li></ol></div></div></div></div></div></div><div id="securityAndBenefitSection" data-component="module" data-module="collapsible-section-deposits-module" data-module-container="3.1.4" data-version="15.0.0" data-sparta-load="primary" data-module-ref="deposits/collapsible-section-deposits-module" data-options="{}" data-init="collapsibleSectionDepositsModuleJS" data-module-parameters='{"headerPartialName":"","headerRemoved":true,"headerStyleOverride":false,"lastCollapsibleSection":false,"negativeColumnMargins":false,"title-position":"left"}' class="collapsible-section-deposits-module-class-v-15-0-0 collapsible-section-deposits-module spa-module-init"><div class="row small-collapse"><div class="columns small-12"><section class="squeezebox-wrapper" data-squeezebox-type="accordion" id="collapsibleAccordionWrapper-securityAndBenefitSection"><div class="squeezebox-panels"><div class="squeezebox-panel" id="collSectionPanel1-securityAndBenefitSection"><div class="row collapse show-for-medium-up"><div class="columns small-12 large-10 large-centered"><h2 class="heading medium-up-hide">Why bank with us?</h2></div></div><a href="javascript:void(0);" class="panel-header spa-oline transparent-background" data-panel="collSectionPanel1-securityAndBenefitSection" id="collSectionPanelLinksecurityAndBenefitSection" role="button"><span class="spa-squeezebox-arrow hide-for-medium-up"></span><h2 class="heading show-for-small-only">Why bank with us? <span class="ada-hidden">, open</span></h2></a><div class="panel-content transparent-background" aria-labelledby="collSectionTab-securityAndBenefitSection"><div class="content"><div class="row"><div class="columns small-12" id="collapsibleSectionChildModulesecurityAndBenefitSection"><div id="twoColumnStackableDepositsModule" data-component="module" data-module="two-column-stackable-deposits-module" data-module-container="3.1.4" data-version="16.0.1" data-sparta-load="primary" data-module-ref="deposits/two-column-stackable-deposits-module" data-options="{}" data-init="twoColumnStackableDepositsModuleJS" data-module-parameters="{}" class="two-column-stackable-deposits-module-class-v-16-0-1 two-column-stackable-deposits-module spa-module-init"><style type="text/css">.two-column-stackable-deposits-module .safety-security{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-shield_twotone_blue-crushed-CSX5b181fd.svg)}</style><style type="text/css">.two-column-stackable-deposits-module .mobile-banking{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-mobileapp1_blue-crushed-CSXd1408e38.svg)}</style><style type="text/css">.two-column-stackable-deposits-module .expansive-network{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-location_blue-crushed-CSXd125c242.svg)}</style><style type="text/css">.two-column-stackable-deposits-module .pref-rewards{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-bofa_icon_prefrew2_293rgb-CSX2a1752a0.svg)}</style><div class="container paddingBorderStyle"><div id="two-column-stackable-deposits-module-panel" class="child-accordion-content show-for-small-only"><div class="cells"><div class="list-item safety-security"><h3 class="header" role="heading" aria-level="3">Safety and security</h3><div class="content">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.<sup><a class="spa-footnote-link" id="ftn_javelinStrategy_link3" data-footnote-content="Best Overall Identity Safety in Banking, Javelin Strategy & Research. Oct 2014." data-footnote="javelinStrategy" href="#ftn_javelinStrategy_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div><div class="list-item mobile-banking"><h3 class="header" role="heading" aria-level="3"><span>A convenient mobile app</span>  <sup><a class="spa-footnote-link" id="ftn_disclosures.manifests.salesonb.deposits.footnotes.mobile-banking-app.html_link1" data-content-key="disclosures.manifests.salesonb.deposits" data-content-record-key="footnotes.mobile-banking-app.html" data-footnote="disclosures.manifests.salesonb.deposits.footnotes.mobile-banking-app.html" href="#ftn_disclosures.manifests.salesonb.deposits.footnotes.mobile-banking-app.html_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></h3><div class="content">Keep track of your balance and accrued interest on the go. Sign in safely and quickly with fingerprint sign-in or Touch ID.<sup>&reg</sup><sup><a class="spa-footnote-link" id="ftn_fingerPrintScannerEnrollment_link2" data-footnote-content="Certain devices are eligible for enrollment in Touch ID<sup>&reg;</sup>, Face ID<sup>&reg;</sup> 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<sup>&reg;</sup> or fingerprint is enabled. Data connection required. Wireless carrier fees may apply." data-footnote="fingerPrintScannerEnrollment" href="#ftn_fingerPrintScannerEnrollment_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div><div class="list-item expansive-network"><h3 class="header" role="heading" aria-level="3">A broad network of support</h3><div class="content">We're here for you anytime, almost anywhere with 24/7 online access and thousands of financial centers.</div></div><div class="list-item pref-rewards"><h3 class="header" role="heading" aria-level="3">Rewarding relationships</h3><div class="content">Qualifying members can earn more rewards with their everyday banking. <a id="learn-preferred-rewards" href="https://www.bankofamerica.com/preferred-rewards/" class="view-chip-card-faq-link spa-fn spa-boa-window" data-options='{"windowName":"a240820c-08a3-11e6-b512-3e1d05defe78","block":true}'>Learn more about Preferred Rewards.</a></div></div></div></div><div class="show-for-medium-up"><div class="row"><div class="columns medium-12 large-10 large-centered"><h2 class="heading">Why bank with us?</h2></div></div><div class="row collapse"><div class="columns medium-12 large-10 large-centered"><div class="cells"><div class="row"><div class="columns medium-6"><div class="list-item safety-security"><h3 class="header" role="heading" aria-level="3">Safety and security</h3><div class="content">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.<sup><a class="spa-footnote-link" id="ftn_javelinStrategy_link3" data-footnote-content="Best Overall Identity Safety in Banking, Javelin Strategy & Research. Oct 2014." data-footnote="javelinStrategy" href="#ftn_javelinStrategy_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div></div><div class="columns medium-6"><div class="list-item expansive-network"><h3 class="header" role="heading" aria-level="3">A broad network of support</h3><div class="content">We're here for you anytime, almost anywhere with 24/7 online access and thousands of financial centers.</div></div></div></div><div class="row"><div class="columns medium-6"><div class="list-item mobile-banking"><h3 class="header" role="heading" aria-level="3"><span>A convenient mobile app</span>  <sup><a class="spa-footnote-link" id="ftn_disclosures.manifests.salesonb.deposits.footnotes.mobile-banking-app.html_link1" data-content-key="disclosures.manifests.salesonb.deposits" data-content-record-key="footnotes.mobile-banking-app.html" data-footnote="disclosures.manifests.salesonb.deposits.footnotes.mobile-banking-app.html" href="#ftn_disclosures.manifests.salesonb.deposits.footnotes.mobile-banking-app.html_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></h3><div class="content">Keep track of your balance and accrued interest on the go. Sign in safely and quickly with fingerprint sign-in or Touch ID.<sup>&reg</sup><sup><a class="spa-footnote-link" id="ftn_fingerPrintScannerEnrollment_link2" data-footnote-content="Certain devices are eligible for enrollment in Touch ID<sup>&reg;</sup>, Face ID<sup>&reg;</sup> 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<sup>&reg;</sup> or fingerprint is enabled. Data connection required. Wireless carrier fees may apply." data-footnote="fingerPrintScannerEnrollment" href="#ftn_fingerPrintScannerEnrollment_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div></div><div class="columns medium-6"><div class="list-item pref-rewards"><h3 class="header" role="heading" aria-level="3">Rewarding relationships</h3><div class="content">Qualifying members can earn more rewards with their everyday banking. <a id="learn-preferred-rewards-mediumUp" href="https://www.bankofamerica.com/preferred-rewards/" class="view-chip-card-faq-link spa-fn spa-boa-window" data-options='{"windowName":"a240820c-08a3-11e6-b512-3e1d05defe78","block":true}'>Learn more about Preferred Rewards.</a></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></section></div></div></div></div></div></section><section class="foot-row small-centered"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="zipCodeSelectorModule" data-component="module" data-module="zip-code-selector-module" data-module-container="3.1.4" data-version="6.2.0" data-sparta-load="primary" data-module-ref="global/zip-code-selector-module" data-options="{}" data-init="zipCodeSelectorModuleJS" data-module-parameters='{"topMargin":false,"bottomMargin":false,"alwaysShowModal":false,"enableDebugMode":false,"skin":false,"centerOnSmall":false,"isSmallBusinessFlow":false,"noErrorPage":false}' class="zip-code-selector-module-class-v-6-2-0 zip-code-selector-module spa-module-init"><form novalidate><div class="row"><div class="small-12 columns flex-container"><div class="input-caption">Information for:</div><div class="input-box"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zipCodeInputField">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"></span></label><input type="text" aria-describedby="zipCodeInputField_errorMessage zipCodeInputField-hint-text" pattern="^\d{5}$" data-mobile-input-type="number" data-default-input-type="text" data-android-input-type="tel" data-mobile-pattern="^\d{5}$" data-default-pattern="^\d{5}$" data-sparta-input-format="zip" autocomplete="off" inputmode="numeric" novalidate="true" autocorrect="off" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"mask":"99999"}' class="spa-input-text" data-gis-mask="false" maxlength="5" id="zipCodeInputField" name="zipCodeInput" data-validation-rules='{"change":[{"zip":{"parameters":[],"errorMessage":"Please enter a valid zip"}}]}' required aria-required="true" data-required-error-message="Please enter a valid zip"><p id="zipCodeInputField-hint-text" class="spa-input-hint"></p><div class="spa-input-error-message spa-icon--error" id="zipCodeInputField_errorMessage" aria-hidden="true"></div></div></div><div class="sparta-button"><button class="spa-btn spa-btn--primary spa-btn--medium" id="go-button" type="button">Go</button></div></div></div></form><div id="countySelectModal" class="hide" data-options="{"type":"modal","closeOnEscape":false}"><h1 id="countySelectModal_title" class="spa-ui-layer-title" data-font="cnx-bold">Please select your county</h1><div class="content"><div id="countySelectModal" data-options='{"type":"modal"}'><div class="content"><form id="countySelectModalForm" name="countySelectModalForm" autocomplete="off" novalidate><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="countySelectModalSelect"><span class="spa-input-label--asterisk"> *</span><span class="ada-hidden">Select a county</span></label><select id="countySelectModalSelect" name="countySelectModalSelect" class="county-select spa-input-select" noemptyoption="true" value="" data-val="" required aria-required="true" data-required-error-message="Please make a selection" aria-describedby="countySelectModalSelect_errorMessage "><option value="">Select</option></select><p class="spa-input-hint" id="countySelectModalSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="countySelectModalSelect_errorMessage" aria-hidden="true"></div></div><div class="modal-sparta-button"><button class="spa-btn" type="button">Go</button></div></form></div></div></div></div><div id="zipSelectModal" class="hide" data-options="{"type":"modal","closeOnEscape":false}"><h1 id="zipSelectModal_title" class="spa-ui-layer-title" data-font="cnx-bold">Enter your zip code</h1><div class="content"><div id="zipSelectModal" data-options='{"type":"modal"}'><div class="content"><form id="zipSelectModalForm" name="zipSelectModalForm" autocomplete="off" novalidate><p id="zipParagraph">Please enter the zip code for your home address so we can give you accurate rate and fee information for your location.</p><div class="input-wrapper flex-container"><div class="modal-input-box"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zipCodeModalInputField">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"></span></label><input type="text" aria-describedby="zipCodeModalInputField_errorMessage zipCodeModalInputField-hint-text" pattern="^\d{5}$" data-mobile-input-type="number" data-default-input-type="text" data-android-input-type="tel" data-mobile-pattern="^\d{5}$" data-default-pattern="^\d{5}$" data-sparta-input-format="zip" autocomplete="off" inputmode="numeric" novalidate="true" autocorrect="off" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"mask":"99999"}' class="spa-input-text" data-gis-mask="false" maxlength="5" id="zipCodeModalInputField" name="zipCodeInput" aria-describedby="zipParagraph" data-validation-rules='{"change":{"zip":{"parameters":[],"errorMessage":"Please enter a valid zip"}}}' required aria-required="true" data-required-error-message="Please enter a valid zip"><p id="zipCodeModalInputField-hint-text" class="spa-input-hint"></p><div class="spa-input-error-message spa-icon--error" id="zipCodeModalInputField_errorMessage" aria-hidden="true"></div></div></div><div class="modal-sparta-button"><button class="spa-btn" type="button">Go</button></div></div></form></div></div></div></div></div><div id="contactUsDepositsModule" data-component="module" data-module="contact-us-deposits-module" data-module-container="3.1.4" data-version="15.0.0" data-sparta-load="primary" data-module-ref="deposits/contact-us-deposits-module" data-options="{}" data-init="contactUsDepositsModuleJS" data-module-parameters='{"checkPilotArray":false,"checkPilotZip":false,"pilotPhone":"844.375.7027","pilotZipArray":[],"headingLevel":"3"}' class="contact-us-deposits-module-class-v-15-0-0 contact-us-deposits-module spa-module-init"><style type="text/css">.contact-us-deposits-module .scheduleAppointment{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-secure-deposits-icons-oneonone_micro_icon-crushed-CSX86c4a42b.svg)}.contact-us-deposits-module .scheduleAppointmentMediumUp{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-secure-deposits-icons-ononeone_icon-crushed-CSX88e8832e.svg)}.contact-us-deposits-module .callUs{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-secure-deposits-icons-callus_micro_icon-crushed-CSX10d58f50.svg)}.contact-us-deposits-module .callUsMediumUp{background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-secure-deposits-icons-callus_icon-crushed-CSXddff7d9d.svg)}.contact-us-deposits-module .{background-image:url('')}</style><ul class="row list"><li class="small-12 medium-3 columns heading"><h3>Contact us</h3></li><li class="show-for-small-only scheduleAppointment"><a id="scheduleAppointment" href="https://secure.bankofamerica.com/mycommunications/public/appointments/getTopics.go?marketingCode=BBACHKING15_ECDEP_A1000&cm_mmc=olb-general-_-vanity-_-appointments-_-na&orig=landing&request_locale=en_US" class="spa-fn spa-boa-window" data-options='{"windowName":"899b670e-1f9d-45e7-9384-c191bd0de20e","block":true}'>Schedule an appointment</a></li><li class="show-for-medium-up medium-3 columns scheduleAppointmentMediumUp"><a id="scheduleAppointmentMediumUp" href="https://secure.bankofamerica.com/mycommunications/public/appointments/getTopics.go?marketingCode=BBACHKING15_ECDEP_A1000&cm_mmc=olb-general-_-vanity-_-appointments-_-na&orig=landing&request_locale=en_US" class="spa-fn spa-boa-window" data-options='{"windowName":"07635c8d-ef14-4bd3-b697-e6194923db2e","block":true}'>Schedule an appointment</a></li><li class="show-for-small-only callUs"><a id="callusDefault" href="tel:844.375.7027">Call us</a></li><li class="show-for-medium-up medium-3 columns callUsMediumUp"><span class="regular-font"><span class="ada-hidden">Phone number:</span>844.375.7027</span></li><li class="show-for-small-only columns end chat-item"><div class="chat-link"><div id="lpButtonDiv-DepositsResearch-Small"></div></div></li><li class="show-for-medium-up medium-2 columns end chat-item"><div class="chat-link"><div id="lpButtonDiv-DepositsResearch"></div></div></li></ul></div><div id="globalFooterModule" data-component="module" data-module="global-footer-module" data-module-container="3.1.4" data-version="14.2.1" data-sparta-load="primary" data-module-ref="global/global-footer-module" data-init="GlobalFooterModule" data-module-parameters='{"skin":"consumer","mode":"unauth","footnoteSection":true,"footnoteSectionToggleable":false,"footnoteExpandOnLoad":{"small":false,"medium":false,"large":true,"xlarge":true},"legalSection":true,"legalExpandOnLoad":{"small":true,"medium":true,"large":true,"xlarge":true},"footerLegalBottomSection":false,"footerActions":{"enabled":false,"secure_area":true,"language_select":true,"authentication":true},"footerActions_language":true,"copyrightSection":true,"investmentsSection":true,"breadcrumbs":true,"breadcrumbsCurrentPage":true,"breadcrumbsClass":"","breadcrumbsSectionName":"retirement-accounts-overview","expandedLegalSection":false,"footerQuickLink":true,"footerQuickLinkClass":"","powerFooterSection":true,"powerFooterClass":"","enableSocialMedia":true,"setFooterSpacingTop":"margin"}' class="global-footer-module-class-v-14-2-1 global-footer-module spa-module-init"><footer class="footer footer--consumer global-footer-spacing--margin" data-mode="footer--unauth"><div id="footnoteSection" class="footnote-section__panel"><div class="row"><div class="column"><div class="spa-footnotes-section footnote-section__footnotes" data-aria-label-back="" data-back-content="Back to content"></div></div></div></div><div id="legalSection" class="legal-section__panel"><div class="row small-collapse medium-uncollapse"><div class="column"><p><strong>Important Disclosures and Information</strong></p><div class="legal-section__invest-section"><p class="legal-section__invest-title">Investment and insurance products:</p><ul class="legal-section__invest-boxes"><li>Are Not FDIC Insured</li><li>Are Not Bank Guaranteed</li><li>May Lose Value</li><li>Are Not Deposits</li><li>Are Not Insured by Any Federal Government Agency</li><li>Are Not a Condition to Any Banking Service or Activity</li></ul><div class="legal-section__invest-text"><p>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.<br><br>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, <a id="footer_sipc" href="https://www.sipc.org/?_tps=79bfc10d-6538-49e6-ab2f-a6c785e73867" class="spa-ui-layer-link spa-fn" data-options='{"interstitialType":"leaving-site","interstitialBranding":"default","targetAction":"new-tab"}'>Member SIPC<span class="spa-ada-text ada-hidden"> layer</span></a>, 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.<br><br>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.<br><br>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.<br><br>Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. 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Member FDIC. <a id="equalHousingLender" href="/help/equalhousing-popup/" class="equalhousing spa-fn spa-boa-window" data-options='{"windowName":"equalHousingLenderWin","size":"","height":400,"width":600,"menubar":true,"scrollbars":true,"status":true}'>Equal Housing Lender</a></p><p class="footer__copyright-text">© 2025 Bank of America Corporation. 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