Truist Bank CD rates
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Truist Bank was the 2019 result of a merger between BB&T and SunTrust Banks. Since then, all services from the two former banks have rolled into Truist, resulting in some changes for customers of the former institutions.
Truist locations are in 17 states in the East and South and the District of Columbia.
Truist CD rates
Truist offers various certificates of deposit (CDs), ranging from seven days to 60 months. However, you must visit a branch to view all of the bank’s terms and yield options, and you must visit a branch to open a CD.
CDs with seven- to 31-day terms require a minimum opening deposit of $2,500. CDs with 32-day to 60-month terms require a $1,000 minimum opening deposit.
At the end of the term, the CD can either be redeemed or renewed. An early withdrawal penalty applies to funds withdrawn before the end of the term, which may include a portion of the principal.
Here’s a closer look at Truist’s special CD rates that can be viewed on their website.
| Term | APY | Min. deposit |
|---|---|---|
| 1 month | 0.05% APY | $2,500 |
| 2 months | 0.05% APY | $1,000 |
| 3 months | 0.05% APY | $1,000 |
| 5 months | 3.50% APY | $1,000 |
| 6 months | 0.05% APY | $1,000 |
| 1 year | 0.05% APY | $1,000 |
| 1 year | 3.00% APY | $1,000 |
| 2 years | 0.05% APY | $1,000 |
| 30 months | 0.05% APY | $1,000 |
| 3 years | 0.05% APY | $1,000 |
Note: Annual percentage yields (APYs) were last updated on September 15, 2025 and may vary by region.
How Truist compares to top-yielding banks
Like many of its competitors, Truist offers online banking, including a mobile banking app that makes it easy to manage accounts at your convenience.
Most of Truist’s deposit accounts offer paltry yields, if any, but its six-month CD is offering a competitive APY at the moment. Though the $1,000 deposit is also reasonably priced, you may be able to find CDs at slightly higher rates for a smaller deposit at some online banks and CDs with no minimum deposit at all.
Some competitors, including Marcus by Goldman Sachs, offer a greater variety of CD types, including no-penalty and bump-up CD options.