Advantage Certificate of Deposit (CD)

SunTrust and BB&T are now Truist

Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn More

Guaranteed interest rates, with flexibility.

An Advantage Certificate of Deposit gives you the unique ability to add funds each month in order to build your savings over time at a guaranteed interest rate. And if you need access to your money, you can withdraw funds once during the CD term with no penalty.

  • Easy access to funds if you need them: Get 1 penalty-free withdrawal of your balance and interest, per term2
  • Higher interest rates with recurring monthly auto-transfers of at least $503
  • Continue to add funds to the CD principal after the account has been opened to build additional savings
  • Guaranteed interest rates for the length of the CD term
  • The maximum FDIC insurance allowed by law

Visit a branch to open your account today or call 800.SUNTRUST.

For more information, please see the Advantage Certificate of Deposit Product Brochure.

Advantage Certificate of Deposit Product BrochureLink opens a new window

View the details on why an Advantage Certificate of Deposit could be right for you.


1 At least one owner of the Advantage Certificate of Deposit is required to have a SunTrust Personal Checking Account. The Advantage Certificate of Deposit is for consumer use only and is not available for Individual Retirement Account (IRA) or Public Funds.

2 You may make one penalty-free withdrawal of all or a portion of the funds after the first seven days of the initial term. For more information, please see Rules and Regulations for Deposit Accounts at

3 A minimum $50 monthly ACH is required to maintain promotional rate during initial term of CD, otherwise the rate will drop to the current standard rate.

Earn Even More Advantage Rewards

Add an Advantage Checking account to keep growing your benefits. The more you put into our SunTrust Advantage accounts, the more rewards you’ll get out.

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Savings Resource Center

  • New Accounts

  • Support

  • Wires


      For more details about Wire Transfers with SunTrust, call 800.947.3786


      SunTrust Incoming wire instructions:


      • For Domestic incoming wire use Routing ABA: 061000104
      • For International incoming wire use SWIFT/BIC: SNTRUS3A
      • Beneficiary account number: SunTrust full account number
      • Beneficiary name: The name as it appears on the SunTrust account

      SunTrust Incoming wire instructions are also available by calling 800.947.3786 - option 1