CD Account

This CD account earns a competitive rate and provides a predictable return with low risk^[1].

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What you get with a CD

Competitive, fixed rates of return

Flexible terms

FDIC-insured up to the maximum permitted by law

Relationship rates for customers who have a Regions checking account and meet other requirements^[2]

CD account details

Monthly fee
- N/A. Please refer to Pricing Schedule for more details about the account.
Minimum opening deposit
- $2,500 for CDs with terms of 7-89 days.
- $500 for CDs with terms of 90 days or longer.
Early withdrawal penalty
- Early withdrawal of funds may result in substantial penalty.
Available terms

7 days to 72 months

Rate is fixed for the term of the CD, but the Relationship Pricing rates are subject to change if the customer does not maintain relationship requirements^[2]. Check rates

How interest is calculated
- Compounded daily and paid according to the terms of the CD: Monthly, quarterly, semi-annually, annually or at maturity (if the term is 365 days or less).
- If the term is one year or greater, the interest is credited to the account quarterly unless interest disbursements are set up.
- Interest disbursements allow you to have the interest that your Regions CD earns automatically transferred to your Regions checking, savings or money market account.
- Can be automatically renewable. At maturity, the CD may renew for the same term automatically at the market rate at the time of renewal.
- Easy account access through Online Banking^[3].
- Security of FDIC Insurance coverage up to the maximum amount permitted by law.
Make an in-branch or phone appointment now.

Manage your money with these smart solutions

Open a checking account

Get Relationship CD Rates when you open a checking account online.

Download the mobile app

Use the Regions mobile app^[4] to deposit checks to your Regions checking account.

Get Overdraft Protection

Link your savings account and Regions checking account for Overdraft Protection.

Refer a friend, get a reward

Refer a friend who opens a new Regions personal checking account and fulfills all offer requirements and you both get a $50 reward.

More ways to save money

We also offer savings accounts, money market accounts and IRAs. Choose the best account for your savings goals.

Compare savings products Learn more about IRAs

Track savings and spending with My GreenInsights budgeting tools

Setting savings goals and tracking your progress toward them has never been easier than with our exclusive online banking financial management tools in My GreenInsights.

My GreenInsights details

Bank when and how you want with Regions Online and Mobile Banking

Monitor your accounts, go paperless with Online Statements, move money and more when you want from virtually anywhere with Online^[3] and Mobile Banking^[5].

Digital Banking details

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Regions CDs are uncertificated time deposit accounts and subject to the terms and conditions of the Regions Deposit Account Agreement and other related disclosures, terms, and conditions.
Special or promotional rates may apply to certain accounts, are for a limited time only, and cannot be combined with other bonus rate offers. Offer is subject to change at any time. Not available for brokered deposits, or to public entities, financial institutions, or Commercial Banking customers, as defined by Regions and/or as indicated in Regions’ records. Advertised Relationship CD rates and APYs only available for advertised term lengths if (1) opened at a participating branch using the “Find a branch near you.” button above; and (2) you meet the following Relationship Pricing requirements:
- The time deposit term must be at least 32 days; and
- The primary or secondary designated owner on the time deposit must be the primary or secondary designated owner on an open Regions Bank checking account in good standing during the term of the time deposit.
If you do not meet the bank's relationship requirements, your account will earn the lower Standard Pricing interest rates and APYs. Details about Relationship Pricing and Standard Pricing are disclosed in time deposit account documentation and disclosures and are available from the Bank’s customer service representatives. Please note that IRA and Private Wealth Management deposits are subject to separate pricing terms and do not participate in Relationship Pricing.
Enrollment in Online Banking requires eligible Regions accounts. To enroll in Online Banking for personal accounts, you must either: have a Social Security or Tax Identification Number; or use alternative enrollment procedures available by visiting a branch. There is no fee to access Online Banking, but fees may apply to certain products and services offered through Online Banking.
Enrollment in Regions Online Banking requires eligible Regions accounts. To enroll in Online Banking, you must have either a Social Security or Tax Identification Number or use alternative enrollment procedures available by visiting a branch. Regions Mobile app, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. There is no fee to access Online Banking or the mobile app, but fees may apply to certain products and services offered through Online Banking and the mobile app. Mobile Deposit may be subject to fees. Your mobile carrier’s messaging and data fees may apply. You must be at least 18 years of age to use Regions Bill Pay or Zelle.® U.S. checking or savings account required to use Zelle.®
Regions Mobile Banking requires a compatible device and enrollment in Regions Online Banking. Mobile Banking is offered at no charge, but fees may apply to certain products and services offered through Mobile Banking. Your mobile carrier’s message and data fees may apply.