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BAC Community Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.44%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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 70th largest bank in the state of California. It is also the 1,265th largest bank in the nation. It was established in 1965 and as of March of 2025, it had grown to 99 employees at 8 locations. BAC Community Bank's CD rates are 3X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #19434
Year Established1965
Employees99
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD7.59%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$791.4MM$800.5MM
LoansQ1 2025vs Q1 2024$444.4MM$423.1MM
DepositsQ1 2025vs Q1 2024$704.2MM$691.5MM
Equity CapitalQ1 2025vs Q1 2024$68.3MM$60.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.9MM$6.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.44%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$10kDiamond 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$10kDiamond Rewards Checking
OTHER TIERS: 0.25% → $10k+
0.02%$1k-Select Interest Checking

BAC Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch3448 Deer Valley RoadAntioch, CA 94531

Brentwood Branches
Country Club Branch2251 Balfour RdBrentwood, CA 94513
Brentwood Branch740 First StreetBrentwood, CA 94513

Concord Branches
Concord Branch2090 Diamond BoulevardConcord, CA 94520

Discovery Bay Branches
Discovery Bay Branch14804-A Highway 4Discovery Bay, CA 94505

Lodi Branches
Lodi Branch1610 West Kettleman Lane, Suite CLodi, CA 95242

Modesto Branches
Modesto Branch1625 J StreetModesto, CA 95354

Oakley Branches
Oakley Branch1070 Laurel RoadOakley, CA 94561

Stockton Branches
Bank Of Agriculture and Commerce517 E Weber AveStockton, CA 95202
Downtown Branch2001 West March LaneStockton, CA 95207

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