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Truist Certificate of Deposit (CDs) & RatesDisclosure 1

Earn special rates on select new CD accounts: 3.75% annual percentage yield (APY) on a 5-month CD.Disclosure 2 Or 3.55% APY on a 12-month CD.Disclosure 2 Talk to a Truist banker to open your new CD today.

Schedule appointment to get a Truist One Money Market account.
  • 3.75% APY 5-month CDDisclosure 2 $1,000 minimum opening deposit
  • 3.55% APY 12-month CDDisclosure 2$1,000 minimum opening deposit
  • $0monthly maintenance fee

Predictable savings. On your terms.

Guaranteed rates

Lock in your annual percentage yield (APY)—and it’s set for the entire term. However, withdrawals prior to maturity could result in penalties and a reduced APY and interest rate.Disclosure 3

Terms you choose

From 7 days to 60 months. Build savings on your terms. $1,000 minimum for terms 32 days to 60 months. $2,500 minimum for terms 7-31 days.

Balance builds toward Truist One Checking perks

As our relationship grows, so do your perks. Money in Truist CDs can help unlock extra perks in your Truist One Checking.Disclosure 4

Automatic renewals

Your CD will automatically renew for the same term at our current standard CD rate (0.05% APY as of 4/8/2025). If you’d rather redeem your CD, you can do so on the maturity date or during the grace period.Disclosure 5

See current standard rate, fees & disclosures

Ready to open your Truist CD? Connect with a Truist banker.

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Truist One Money Market Account

  • Optional overdraft protection
  • Available debit card and checks
  • Build toward perks in your Truist One Checking

The Truist One Money Market Account is the place to keep your savings growing.

Learn more about the Truist One Money Market Account.

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Disclosure 1 Refer to the Account Overview Guide and Bank Services Agreement for detailed information regarding each feature, benefit, and/or fees listed for Truist Certificate of Deposit.

Disclosure 2 APY(s) accurate as of 4/8/2025, and subject to change without notice at any time. Fees may reduce earnings.

Interest calculation methods can vary depending on the principal balance and term length of your Truist Certificate of Deposit (CD):

Principal balance:
For Truist CDs with a principal balance of $99,999.99 or less, interest is compounded daily. For Truist CDs with a principal balance of $100,000.00 or more, interest is simple interest.

Term length:
Truist CDs with terms greater than one (1) year credit interest to the principal annually on the anniversary date of the CD.
Truist CDs with terms of thirty (30) days or less than one year credit interest to the principal at maturity.

Truist CD clients have the option to request a different frequency of interest payment as well as the option to have the interest paid to a different Truist account.

Disclosure 3 Penalty may be applied for early withdrawal. See the Bank Services Agreement for further details.

Disclosure 4 Refer to the Account Overview Guide and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit, and/or fees listed for Truist One Checking.

Disclosure 5 Automatic renewals:

Unless you instruct us otherwise within the grace period for your Truist CD, by contacting your local branch or by calling the Truist Care Center at 844-4TRUIST (844-487-8478), when your Truist CD matures, it will automatically renew: 

  • For the same time period as the original CD term. 
  • At the Truist standard interest rate in effect at the time. The standard interest rate is 0.05%, with an APY of 0.05% and is accurate as of 4/8/2025, subject to change without notice at any time. Please visit your local branch or call us for current CD information. 

Refer to the Bank Services Agreement for further information on CD renewals including grace periods.

Disclosure 6 Fees may apply to transfers to other U.S. financial institutions. Setup is also required and verification may take 1 – 3 business days. View the Truist Personal Deposit Accounts Fee Schedule for more information. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 7 For your protection, Zelle® should only be used to send money to friends, family, other people or businesses you trust. Neither Truist nor Zelle® offers a protection program for payments that you authorize in Zelle®. Enrollment with Zelle® through Truist Online or Mobile banking is required. U.S. checking or savings account required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Services Agreement. Your mobile carrier’s message and data rates may apply.

Disclosure 8 Mobile deposit is only available through the Truist mobile app.  Deposit limits and other restrictions apply. Your mobile carrier's message and data rates may apply.

Disclosures

Truist Bank, Member FDIC. © 2025 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

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist 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.

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.

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 phone support 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.

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

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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