Truist CD Rates (November 2026) & Calculator

See what a Truist CD earns at today's rates.

Rates checked Nov 5, 2026FDIC cert #9846

Truist CD rates (Nov 5, 2026)

Every CD term Truist lists on its website, with what $10,000 earns over the full term.

Truist CD rates by term and balance
Term	Product	Minimum	APY	$10,000 earns
1 year	Truist Certificate of Deposit (CD)Special	$100,000	3.25%	$325.00

Special is a promotional rate. Relationship needs a linked account at Truist. A dash means the same APY as the opening balance. The highlighted row is Truist's top rate.

Source: Truist CD rates. Rates change often; confirm before you open an account.

Truist vs the national average

The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.

Truist CD rates compared with the FDIC national average
Term	Truist	National avg	Best other bank
1 year	–	1.76%	Popular Direct 4.60%

Truist CD early withdrawal penalty

Truist early withdrawal penalty by term
Term	Penalty
Less than 3 months	all interest earned
3-12 months	3 months of interest
13-23 months	6 months of interest
24 months or greater	12 months of interest

The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).

Taxes on Truist CD interest

CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. Truist sends Form 1099-INT when you earn $10 or more in a year.

If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.

How We Calculate & Keep This Accurate

Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Truist's published rule for that term.

Rates come from Truist's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Truist's website and disclosures. Results are estimates, not an offer from the bank.

Primary Sources

Data & Freshness

Figures reflect 2026 tax-year data.

Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.

Truist CD FAQs

Quick answers about Truist CD rates and penalties.

What are Truist's CD rates today?

See the rate table above for every term Truist offers.

What is Truist's CD early withdrawal penalty?

Less than 3 months: all interest earned. 3-12 months: 3 months of interest. 13-23 months: 6 months of interest. 24 months or greater: 12 months of interest. If the penalty is more than the interest earned, the rest comes out of your principal.