Open an Account

Stepped Rate CD

Enjoy rising rates in any market. This 48-month CD has interest rates guaranteed to rise once a year, every year. Make the most of your investment with an additional deposit of up to $10,000 once a year.


This CD has a term of 48 months.
  • Rates are guaranteed to rise once per year.
  • Rates and annual percentage yield for all four years are disclosed when the account is opened.
  • An additional deposit, up to $10,000, is allowed once a year, every 12 months from the date of the initial deposit.
  • After 24 months (from the date of your initial deposit) withdrawals can be made penalty-free.1

Minimum to Open



Tiered rates based on the amount of your deposited funds:

  • Compounded daily on collected balances for CDs less than $100,000
  • Simple interest on collected balances for CDs of $100,000 or more
  • Interest accrues at the rate and APY2 in effect at the time of the additional deposit

Account Benefits

A Simple, Easy Way to Save

  • No monthly fees
  • Automatic renewal
  • May be pledged as loan collateral

Convenient Grace Periods

  • During a grace period at renewal, you may negotiate a new term or rate. You may also adjust your account balance.
  • If no adjustments are made at grace period, your CD continues to grow at the interest rate and annual percentage yield in effect on the date of renewal.

Still need help?

Get Assistance

By Phone

Call us at 800-BANK-BBT (800-226-5228).

Visit a BB&T Financial Center

Contact Us

Call 800-BANK-BBT



More search options