Truist CD Rates for 2025
Review
Updated
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Truist Bank offers a variety of CD terms, ranging from seven days to 60 months. Unfortunately, the bank doesn't disclose CD rates online, so you'll have to schedule an appointment at one of its 2,000 branches to see if its APYs are even worth your attention.
Below, we'll break down Truist CD rates and help you decide if a Truist CD might be a good place to park some cash.
APY = Annual Percentage Yield
Truist standard CD rates are not available online. You must visit your local Truist Bank branch to inquire about current standard CD rates and open a CD account.
Truist's website does currently feature two CD specials, however, both with a $1,000 minimum deposit. Like the Truist standard CDs, these promotional CDs can not be opened online.
| 5 Mo. APY | 3 Yr. APY |
|---|---|
| 4.00% | 3.50% |
A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.
| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
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We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
up to 3.80%
Rate info
SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
|
New customers can earn up to a $300 bonus with qualifying direct deposits!
|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
3.60%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
|
N/A
|
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
Open Account for Barclays Tiered Savings
On Barclays' Secure Website.
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
4.00%
Rate info
Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
|
N/A
|
Open Account for Barclays Tiered Savings
On Barclays' Secure Website. |
Since Truist doesn't reveal rates on its certificates of deposit (CDs), it's hard to assess how the bank stacks up against competitors. But to give you some perspective, here's what other CD providers are offering.
| Bank & CD Offer | APY | Term | Min. Deposit | Next Steps |
|---|---|---|---|---|
|
APY:
4.10%
|
Term:
14 Months
|
Min. Deposit:
$500
|
Open Account for
On LendingClub's Secure Website. |
|
Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD
On Discover Bank's Secure Website. |
APY:
4.00%
|
Term:
1 Year
|
Min. Deposit:
$0
|
Open Account for Discover® Bank CD
On Discover Bank's Secure Website. |
|
APY:
4.00%
|
Term:
6 Months
|
Min. Deposit:
$1
|
Open Account for
On Raisin's Secure Website. |
Even though Truist doesn't advertise CD rates online (boo), it does disclose some important details that can help you prepare for that in-person meeting at a Truist location. Below is a breakdown of what we can gather about Truist CDs.
Truist CDs have CD terms ranging from seven days to five years. For CDs with terms ranging from seven to 31 days, you'll need a minimum opening deposit of $2,500, while those ranging from 32 days to 60 months require $1,000 to get started.
Perhaps the most interesting feature of a Truist CD is its interest rate tiers. Though you won't know your APY until you visit a Truist branch, you can get a good idea of which tier you would fall into based on how much you want to deposit.
| Tier 1 | $0.01 to $9,999.99 |
| Tier 2 | $10,000 to $49,999.99 |
| Tier 3 | $50,000 to $99,999.99 |
| Tier 4 | $100,000 or more |
To be sure, big banks like Truist typically have lower APYs on CDs than smaller banks and credit unions. So, even if you fall into Tier 4, that doesn't mean you'll get the highest CD rate on the market.
Since Truist CDs can only be opened in person, you'll need to live near a Truist branch for this to be feasible or convenient. Right now, Truist Bank has over 2,000 branches in 15 states and the District of Columbia. If you've never heard of Truist -- or you have but don't have a branch near you -- you're better off looking at some of today's top-paying CD providers.
A Truist CD might be right for you if you already bank with Truist and want to keep all your money at the same institution. It might also be a decent option if you're looking to deposit more than $100,000 in a CD, as that would lock you into a Tier 4 interest rate. Finally, since you need to visit a Truist branch in person to get details on CD rates, Truist CDs are only right for those who live in the 15 states where Truist does business.
At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.
Learn more about how Motley Fool Money rates bank accounts.
Truist branches are currently located in Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the District of Columbia.
Nope. The only way to open a Truist CD is to go to a physical brick-and-mortar branch and open one in person.
Yes. In 2019, Suntrust and BB&T merged to become Truist Bank.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
