Certificates of Deposit

Safe and secure savings

CDs are a great way to earn higher returns on your money over a fixed amount of time without a lot of risk.

Which CD is best for you?

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

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Important Information!

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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 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


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


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

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

Perhaps the most difficult part of saving for retirement is understanding how to invest. By learning the basics, like types of investments and how to choose them, you can set yourself up for success.

Learn how much to invest each month to reach $1 million.

Related services


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


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.