Certificates of Deposit

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Which CD is best for you?

All of our CDs come with no monthly fees, automatic renewal, guaranteed rates and FDIC insurance.

7 Day to 60 Month

Make a solid investment with a guaranteed rate of return for up to 5 years

$1,000 minimum deposit for terms greater than 31 days
$2,500 minimum deposit for terms of 7 to 31 days
Fixed rates for the term you choose
Terms available from 7 days up to 60 months

Can't Lose

Protect your investment whether rates rise or fall

Add new funds at your current rate, or lock in at a higher rate with a new CD
Minimum opening deposit of $1,000
Maximum additional deposit of $10,000 after the first 12 months of your term
One penalty-free withdrawal after the first 12 months of your term¹
30-month term

Stepped Rate

Enjoy rising rates in any market with interest rates guaranteed to rise once a year, every year

Rates and annual percentage yield for all 4 years are disclosed when the account is opened
Minimum opening deposit of $1,000
One additional deposit up to $10,000 per year
Penalty-free withdrawals 24 months after the initial deposit²
48-month term

Add-On

Add extra funds at any time with this flexible CD

Minimum opening deposit of $100
Minimum automatic monthly deposit of $50 from a BB&T checking or savings account
Additional optional deposits of at least $50 can be made in a branch, by phone or through BB&T online banking
12-month term

Home Saver

Save for a new home with automatic monthly deposits from your BB&T checking or savings account

No-penalty withdrawal for your home purchase²
Minimum opening deposit of $100
Minimum automatic monthly deposit of $50
Maximum account balance of $100,000
36-month term

College Saver

Set up an automatic monthly deposit to prepare for college costs

Up to four withdrawals a year to pay for school costs²
Minimum opening deposit of $100
Minimum monthly deposit of $50
Maximum account balance of $100,000
36-, 48- and 60-month terms

Treasury

Make deposits at any time and withdraw funds once a month—with no penalty

Minimum opening deposit of $5,000
Additional deposits of at least $100 allowed at any time
One penalty-free withdrawal per month
Variable interest rate tied to the US Treasury Bill
6-month term

CDARS

Take advantage of multimillion-dollar FDIC insurance coverage with CDARS^® (Certificate of Deposit Account Registry Service)³

Relax and let us do all the work for you with your principal and interest protected
Earn CD-level rates
Take advantage of one interest rate per maturity
Work with just one bank
Receive a single year-end tax form

Ready to get started?

In person

Locate a branch

By phone

Got questions?

800-BANK-BBT

800-226-5228

Still exploring?

Certificate of Deposit

Learn why CDs are a safe and secure way to save.

A certificate of deposit—or CD—is a safe and secure short-term investment.

You'll see a return on your money without any of the risks involved with long-term investments such as stock, and it's federally insured against loss.

A CD can let you save for expected purchases or emergency needs while earning higher interest than a savings account.

Say you're planning to buy a car, or you need a down payment on a home in 6 months or a year.

Purchase a CD that matures in that time, and you'll have that money plus interest exactly when you need it.

When you buy a CD, you are required to keep that money in your account for the specified period you choose.

That could be anywhere from a few months to five years or more.

The longer the term, the higher the interest you earn.

If you withdraw the money early, you'll have to pay a penalty.

But the funds are liquid. In an emergency, you'll have your cash in hand quickly.

Your interest earnings can be spent right away, but the better option is to reinvest it.

Through compound interest, the CD's value grows faster over time.

Unless you choose to be paid, the interest is rolled over automatically.

We'll be happy to provide more information or answer your questions.

Related services

Checking

Our featured checking accounts are designed for everyone. Built-in features make it easy to manage your money.

eSavings

Open an eSavings account⁴ and enjoy instant access to your money, with no monthly fees or minimum balance requirements.

Online banking

Get a big picture view of your finances with U by BB&T.

See our Bank Services Agreement (PDF) for additional disclosures.

¹One withdrawal may be made without penalty if the initial deposit has been on deposit at least twelve (12) months prior to withdrawal. Additional deposits must have been on deposit for at least seven (7) calendar days and no partial withdrawals may have been made in the preceding six (6) days.

²Interest rates and APRs are based on current market rates and are for informational purposes only. Rates are subject to change without notice and may be subject to increase based on property type, loan amount, loan-to-value, credit score and other variables. Call your local mortgage loan professional for more details. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. The proposed monthly payment and rate does not include estimated tax payments or monthly premium payments for flood insurance or homeowners insurance. These amounts will be determined at a later date.

³Limits apply. Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with BB&T. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

⁴The BB&T eSavings account can only be opened online through BBT.com or by calling BB&T Phone24 at 800-BANK-BBT (800-226-5228).

Branch Banking and Trust Company, Member FDIC.

BB&T Complete Client Protection

Safe and secure savings