While numerous financial institutions provide outstanding certificates of deposit (CDs), featuring diverse account options and competitive yields across various durations, Truist does not fall into this category.
TL;DR
- Truist CD rates are generally unremarkable, with few exceptions for special offerings.
- Opening Truist CDs requires an in-person branch visit, which is inconvenient for many savers.
- Truist offers standard and special CDs, but lacks specialized options like jumbo or IRA CDs.
- Truist CDs are FDIC insured up to $250,000 per depositor, per insured bank, for each account ownership category.
While Truist offers a few acceptable choices, its CD annual percentage yields (APYs) are largely unremarkable. Coupled with the difficulty of opening its CDs, it's evident that many savers would be better served by other financial institutions.
Here’s what you need to know about Truist CD rates.
Rates are current as of Nov. 11, 2025 and are subject to change.
Truist CD rates and products
Truist provides standard personal and business Certificates of Deposit (CDs) along with special CD offerings, which are a limited selection of terms featuring the highest yields. The bank does not provide specialized choices such as jumbo, flex, or IRA CDs.
Truist keeps its specific term lengths and rates for standard CDs private, requiring customers to contact their local branch for details.
It's even more annoying that you must go to a Truist branch to open any CDs, as opening your account online isn't possible.
CD specials
Truist's CD specials stand out for their notable earning rates. Currently, you'll find two term lengths available: five and 12 months.
| Minimum opening deposit | – $2,500 for terms between 7 and 31 days – $1,000 for terms between 32 and 60 months |
|---|---|
| Early withdrawal penalty | – Terms of less than 3 months: All interest earned or $25, whichever is greater For terms ranging from 3 to 12 months, simple interest is calculated on the withdrawn principal amount, or $25, whichever sum is larger. – Terms of 13 to 23 months: 6 months simple interest earned on the principal amount withdrawn or $25, whichever is greater For terms of 24 months or longer, you'll earn simple interest on the principal amount you withdraw for 12 months, or $25, whichever sum is larger. |
| Partial withdrawals permitted | For a fee |
| Additional deposits permitted | No |
| Renewal grace period | – Terms less than 32 days: 1 day – Terms of 32 days or more: 10 days |
| Minimum opening deposit | |
|---|---|
| – $2,500 for terms between 7 and 31 days – $1,000 for terms between 32 and 60 months | |
| Early withdrawal penalty | |
| – Terms of less than 3 months: All interest earned or $25, whichever is greater For terms ranging from 3 to 12 months, simple interest is calculated on the withdrawn principal amount, or $25, whichever sum is larger. – Terms of 13 to 23 months: 6 months simple interest earned on the principal amount withdrawn or $25, whichever is greater For terms of 24 months or longer, you'll earn simple interest on the principal amount you withdraw for 12 months, or $25, whichever sum is larger. | |
| Partial withdrawals permitted | |
| For a fee | |
| Additional deposits permitted | |
| No | |
| Renewal grace period | |
| – Terms less than 32 days: 1 day – Terms of 32 days or more: 10 days |
Truist CD special rates
| Term length | APY |
|---|---|
| 3 months | 3.25% |
| 12 months | 2.70% |
| 3 months | |
|---|---|
| APY | 3.25% |
| 12 months | |
| APY | 2.70% |
Bank details checked Nov. 11, 2025.
Standard CDs
Truist issues a wider range of standard CD terms than many other financial institutions, offering options that mature in as early as seven days. That said, its standard CDs aren’t anything impressive.
Truist also offers standard business CDs, advertised with similar terms to its standard personal CDs, but you’ll have to set up a meeting with a Truist representative to see the exact offers for your location.
| Minimum opening deposit | – $2,500 for terms between 7 and 31 days – $1,000 for terms between 32 and 60 months |
|---|---|
| Early withdrawal penalty | – Terms of less than 3 months: All interest earned or $25, whichever is greater For terms ranging from 3 to 12 months, simple interest is calculated on the withdrawn principal amount, or $25, whichever sum is larger. – Terms of 13 to 23 months: 6 months simple interest earned on the principal amount withdrawn or $25, whichever is greater For terms of 24 months or longer, you'll earn simple interest on the principal amount you withdraw for 12 months, or $25, whichever sum is larger. |
| Partial withdrawals permitted | For a fee |
| Additional deposits permitted | No |
| Renewal grace period | – Terms less than 32 days: 1 day – Terms of 32 days or more: 10 days |
| Minimum opening deposit | |
|---|---|
| – $2,500 for terms between 7 and 31 days – $1,000 for terms between 32 and 60 months | |
| Early withdrawal penalty | |
| – Terms of less than 3 months: All interest earned or $25, whichever is greater For terms ranging from 3 to 12 months, simple interest is calculated on the withdrawn principal amount, or $25, whichever sum is larger. – Terms of 13 to 23 months: 6 months simple interest earned on the principal amount withdrawn or $25, whichever is greater For terms of 24 months or longer, you'll earn simple interest on the principal amount you withdraw for 12 months, or $25, whichever sum is larger. | |
| Partial withdrawals permitted | |
| For a fee | |
| Additional deposits permitted | |
| No | |
| Renewal grace period | |
| – Terms less than 32 days: 1 day – Terms of 32 days or more: 10 days |
Truist standard CD rates
| Term length | APY |
|---|---|
| 7 days to 5 years | 0.05% |
| 7 days to 5 years | |
|---|---|
| APY | 0.05% |
| APY |
Bank details checked Nov. 11, 2025.
Compare Truist to competitors
Truist CDs aren’t much to shout about—though a couple term lengths offer competitive APY. Here’s a peek at CD options from other popular banks.
 Truist |  Discover |  Northern Bank Direct |
|---|---|---|
| 3 months | 3 months | 3 months |
| 3.25% | 2.00% | N/A |
| 6 months | 6 months | 6 months |
| 0.05% | 3.50% | 4.00% |
| 9 months | 9 months | 9 months |
| 0.05% | 3.50% | 3.75% |
| 15 months | 15 months | 15 months |
| 2.70% | N/A | 3.25% |
| 60 months | 60 months | 60 months |
| 0.05% | 3.50% | 3.25% |
| Learn more | Learn more | |
| View offer at MoneyLion | View offer at Northern Bank Direct |
Bank details checked Nov. 11, 2025
Learn more about Truist
Headquartered in Charlotte, North Carolina, Truist operates as a comprehensive regional bank. Boasting more than 1,900 branches, it ranks among the nation's largest banks, holding a position within the top 10 financial institutions, as per the Federal Reserve.
In addition to CDs, Truist offers checking and savings accounts, credit cards, auto loans, mortgages, investing and retirement services, and more. If you live in one of the 17 states Truist serves, it could be a great banking option (though, again, its CDs are nothing remarkable).
Frequently asked questions
Truist CD rates: local variation?
Yes, Truist says its CDs rates can vary depending on where you are.
Truist CD maturity: what's next?
When your Truist CD matures, you have a 10-day grace period to either open a new CD or withdraw your money. If you do nothing, your account will automatically renew.
Are Truist CDs FDIC insured?
Yes, Truist CDs are FDIC insured up to $250,000 per account holder per account ownership category.
Truist CD: ¿Depósito mínimo?
The minimum deposit required for a Truist CD under 31 days is $2,500. If you’re opening a CD with a term lasting 32 days or more, the minimum deposit is $1,000.
Can I deposit into Truist CD after opening?
No, you cannot add money to a Truist CD until your account matures.