Several term lengths; low interest rates. Truist offers term lengths from seven days to five years on its certificates of deposit. All rates are on par with what you’ll find at other big banks; you can find much higher rates elsewhere.

Only available in branches. Unlike the checking and savings accounts, you can only open Truist CDs at a branch, so they’re only available in the states where Truist has locations (Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia and Washington, D.C.).