What are the current interest rates at Truist?

Current rates for Truist include: 12-Month CD: 3.25%, 60-Month CD: 0.05%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Truist Rates & Review October 2026

Item: Truist
Rating: 1
Author: Marc Franklin

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Truist's top rates as of October 7, 2026 are 3.25% APY on its 12-month CD, and credit cards from 17.74% APR, according to rates verified by MonitorBankRates. Other Truist CD rates include 7 days to 60-Months 7 Day CD at 0.05%. MonitorBankRates evaluates the financial stability of Truist with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates last updated and verified on 10/07/2026.

Truist money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Truist? Share your experience about Truist by leaving a review below, or read customer reviews before you decide to use Truist.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

2.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Truist Bank

214 N Tryon St
Charlotte, NC 28202

https://www.truist.com

Customer Reviews

1.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Truist CD Rates

Product	Rate	APY	Term
12-month CD	-	3.25%	12-month
Min Balance $100,000 Details Special rate for select new CD accounts. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 4 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
7 Day CD	-	0.05%	7 days to 60 months
Min Balance $1,000 Details Balance: $1,000 for terms 32 days to 60 months. $2,500 for terms 7-31 days.; Automatic renewal at current standard CD rate. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Truist Credit Card Rates

Product	Rate	APR	View More
Business Cash Rewards Credit Card	-	17.74%
Details Published APR range: 17.74% to 26.74%. Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (See definition of Prime Rate below.) Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 15.74% → 17.74% ▲ 2.00 pts · high 17.74% / low 15.74% Sep 27, 202617.74%▲ from 15.74% Sep 24, 202615.74%first recorded Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Truist’s Texas Ratio stayed near 2.82% in Q3 2023 to 2.87% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$548.3B	2.87%	5.0	A+
March 31, 2026	$541.2B	2.94%	5.0	A+
December 31, 2025	$539.5B	2.73%	5.0	A+
September 30, 2025	$535.5B	2.80%	5.0	A+
June 30, 2025	$535.6B	2.31%	5.0	A+
March 31, 2025	$527.5B	2.85%	5.0	A+
December 31, 2024	$523.1B	2.71%	5.0	A+
September 30, 2024	$515.2B	2.68%	5.0	A+
June 30, 2024	$511.9B	2.65%	5.0	A+
March 31, 2024	$526.7B	2.88%	5.0	A+
December 31, 2023	$527.5B	2.86%	5.0	A+
September 30, 2023	$534.7B	2.82%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Truist is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Truist rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Truist's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Truist

Bank Holding Company TRUIST FINANCIAL CORP

Address 214 N Tryon St, Charlotte, NC 28202 · Mecklenburg

Website https://www.truist.com

FDIC Certificate # 9846

Established 18720101

FDIC Insurance Date 19340101

Domestic Offices 1,931

Total Branches 1,931

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

4.9

Exceptional Out of 5.0 Stars

2.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1620%

Return on Equity (ROE) 10.0000%

Non-Performing Loans (NPL) 0.44%

Total Assets $548,346,000,000

Total Deposits $419,212,000,000

Equity Capital $62,971,000,000

Net Income $3,155,000,000

Headquarters Charlotte

Total Branches and Offices 1931

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Truist earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/truist-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Marc Franklin

★☆☆☆☆

September 27, 2026

A few weeks ago Truist bank lowered my MMA interest rate to1.14%. I was told the rates go with the current market rates which have gone up. They said they cant do anything for me. Now I looked as of 9/26/2026 and my rate went down again to 0.1%. Ive been with this bank for over 25 years and have a substantial amount of money in my mma. Most all other banks are holding interest rates steady or raising them slightly. Not Truist. Shame on you.

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Want to discuss Truist with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★☆☆☆☆

Total Reviews

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Frequently Asked Questions About Truist

How many branches does Truist operate?

Truist currently maintains approximately 1,931 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Truist does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Truist provides members with tools to manage their accounts and build a solid financial history.

Does Truist offer online and mobile banking?

Most modern institutions like Truist provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.truist.com.