Regions CD Accounts

Knowing that no two customers have the same future plans, or current life circumstances, Regions offers a variety of Certificate of Deposit (CD) terms. One of our bank representatives will be more than happy to help you choose the term that best meets your financial needs. And we'll always be there to help you adapt your accounts as your needs change over time.

Please select the option that best describe you

Please select the option that best describe you

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  Regions CD1
Balance Required to Open
  • For CDs with terms 90 days or longer - $500
  • For CDs with terms 7-89 days - $2,500
  • For available rates and terms, enter your zip code in the box above

Account Benefits

  • Regions CDs can be automatically renewable.  At maturity, the CD may renew for the same term automatically at the market rate at that time.
  • Interest disbursements allow you to have the interest that your Regions CD earns automatically transferred to your Regions checking, savings, or money market account. 
  • Account maintenance is easy with Regions Online Banking.
  • Security of FDIC Insurance coverage up to the maximum amount permitted by law.
  • Customers with a checking account may qualify for a premium (Relationship) interest rate on the CD2.

Interest Earned

  • Compounded daily and paid according to the terms on the CD:  Monthly, quarterly, semi-annually, annually or at maturity. 
  • If the term is one year or greater, the interest is credited to the account quarterly unless interest disbursements are set up.
Interest Tiers
  • Rate is fixed for the term of the CD, but Relationship Pricing rates are subject to change if customer does not maintain relationship requirements2.

Monthly Fee

  • None

Minimum Daily Balance Required (to waive monthly fee)

  • Not applicable


  • Not applicable

Bank where, when, and how you like

  • Access your account 24 hours a day, 7 days a week through Regions Online Banking or 1-800-REGIONS
  • Visit any one of our 1,700 branches in 16 states

How to Apply

1. There is a substantial penalty for early withdrawal. See account disclosure for details.
2. The Relationship Pricing interest rates and APYs are available to depositors who meet the following relationship requirements for the entire applicable term of the account: (i) the time deposit term must be at least 32 days, (ii) the primary or secondary designated owner on the time deposit must be the primary or secondary designated owner on a Regions Bank checking account, and (iii) the checking account must be and remain open during the entire 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 other documentation related to time deposit accounts and are available from the Bank’s customer service representatives. Please note that IRA deposits are not eligible for Relationship Pricing. CDs (Certificates of Deposit) are time deposits. Interest on CDs longer than 12 months must be paid at least annually. Fees could reduce your earnings on account