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Truist Certificates of Deposit (CDs)

Keep your nest egg safe and watch it grow with a Truist CD.1 For how long? You choose—from 7 days to 60 months.2 See account fees and disclosures.

$0

monthly maintenance fee

$2,500

minimum opening deposit for terms from 7 to 31 days

$1,000

minimum opening deposit for terms from 32 days to 60 months

Find branch to open CD

More details about Truist CDs

Benefits for you:

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  • Choose your term—from 7 days to 60 months.
  • $0 monthly maintenance fee.
  • FDIC-insured up to the amount allowable by law.

 

Why it’s a good fit

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Best savings account if you:

  • Are looking for a guaranteed rate.
  • Want to save for a long-term goal.
  • Don’t need immediate access to your cash.

Fee information

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  • No monthly maintenance fee
  • $1,000 account minimum
  • Penalty for early withdrawal may apply.2

Ready to open a CD? It’s so simple.

Step 1

Prepare your basic info for account setup.

We’ll need some personal information to get your account started.

Step 2

Be ready with your first deposit.

Truist CDs have a $1,000 minimum opening deposit.

Step 3

Get started at a Truist branch.

Check out Truist One Checking.

Truist One Checking has all the benefits you care about—no overdraft fees,3 and $100 of coverage for eligible clients when you accidentally overspend.4 The best part? The benefits increase as your balances grow. Automatically.

Learn more about Truist One Checking.
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1 Unless you instruct us otherwise, when this CD matures, it will automatically renew:

  • For the same time period as the original CD term.
  • At the Truist standard interest rate based on the balance tier and the interest rate in effect for your local area at the time of each renewal, based on your renewal balance.

Please visit your local branch or call us for current CD information. For more information, please refer to our Bank Services Agreement.

2 Penalty may be applied for early withdrawal. See the Bank Services Agreement at truist.com/savings/certificate-of-deposit/disclosures-and-fees for further details.

3 Truist does not charge overdraft related fees on this product. Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

4 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.

All eligibility requirements below must be met to qualify for the Negative Balance Buffer:

  • Account must be opened for a minimum of 35 calendar days
  • Account must be funded and have a positive balance
  • A single direct deposit of at least $100 per month must be made for 2 consecutive months

To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:

  • A recurring direct deposit of at least $100 per month  

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Disclosures

Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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