BAC Community Bank

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bankbac.com

209-473-6800

517 East Weber Avenue
Stockton, CA 95202

BAC Community Bank is headquartered in STOCKTON and is the 70^th largest bank in the state of California. It is also the 1,269^th largest bank in the nation. It was established in 1965 and as of December of 2024, it had grown to 97 employees at 8 locations. BAC Community Bank's CD rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	19434
Year Established	1965
Employees	97
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	5.33%
Annual Interest Income	$30.3MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$783.1MM$816.6MM
Loans	Q4 2024vs Q4 2023	$446MM$417.4MM
Deposits	Q4 2024vs Q4 2023	$697.8MM$708MM
Equity Capital	Q4 2024vs Q4 2023	$66.1MM$59.4MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$6.9MM$6.8MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$0$0
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BAC Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$0	$10k	Diamond Reward Saver
OTHER TIERS: 0.25% → $10k+
0.15%^*	$500k^*	-	Select Savings
OTHER TIERS: 0.03% → $0 - $500k
0.15%^*	$500k^*	-	Minor Savings
OTHER TIERS: 0.03% → $0 - $500k

BAC Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$1m^*	-	Select Money Market
OTHER TIERS: 0.15% → $2.5k - $100k \| 0.20% → $100k - $250k \| 0.30% → $250k - $500k \| 0.40% → $500k - $1m

BAC Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$0	$10k	Diamond Rewards Checking
OTHER TIERS: 0.25% → $10k+
0.02%	$1k	-	Select Interest Checking

BAC Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.02%^*	$100k^*	-	4 Month CD
OTHER TIERS: 3.35% → $2.5k - $50k \| 3.50% → $50k - $100k
3.75%^*	$100k^*	-	6 Month CD
OTHER TIERS: 3.20% → $2.5k - $50k \| 3.45% → $50k - $100k
3.75%^*	$100k^*	-	4 Month Public Funds CD
OTHER TIERS: 2.83% → $2.5k - $50k \| 3.00% → $50k - $100k
3.50%^*	$100k^*	-	9 Month CD
OTHER TIERS: 3.14% → $2.5k - $50k \| 3.45% → $50k - $100k
3.50%^*	$100k^*	-	6 Month Public Funds CD
OTHER TIERS: 2.53% → $2.5k - $50k \| 2.75% → $50k - $100k
3.00%^*	$50k^*	-	12 Month CD
OTHER TIERS: 2.94% → $2.5k - $50k
2.50%^*	$50k^*	-	12 Month Public Funds CD
OTHER TIERS: 2.37% → $2.5k - $50k
2.00%	$2.5k	-	18 Month CD
2.00%	$2.5k	-	24 Month CD
0.75%	$2.5k	-	36 Month CD
0.75%	$2.5k	-	48 Month CD
0.75%	$2.5k	-	60 Month CD
0.25%	$2.5k	-	1 Month CD
0.25%	$2.5k	-	3 Month CD
0.25%^*	$100k^*	-	3 Month Public Funds CD
OTHER TIERS: 0.20% → $2.5k - $100k

Locations

Cities: Antioch, Brentwood, Concord, Discovery Bay, Lodi, Modesto, Oakley, Stockton

Antioch Branches
Antioch Branch	3448 Deer Valley Road	Antioch, CA 94531

Brentwood Branches
Country Club Branch	2251 Balfour Rd	Brentwood, CA 94513
Brentwood Branch	740 First Street	Brentwood, CA 94513

Concord Branches
Concord Branch	2090 Diamond Boulevard	Concord, CA 94520

Discovery Bay Branches
Discovery Bay Branch	14804-A Highway 4	Discovery Bay, CA 94505

Lodi Branches
Lodi Branch	1610 West Kettleman Lane, Suite C	Lodi, CA 95242

Modesto Branches
Modesto Branch	1625 J Street	Modesto, CA 95354

Oakley Branches
Oakley Branch	1070 Laurel Road	Oakley, CA 94561

Stockton Branches
Bank Of Agriculture and Commerce	517 E Weber Ave	Stockton, CA 95202
Downtown Branch	2001 West March Lane	Stockton, CA 95207

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