Latest Truist Bank Interest Rates - September 2026

Truist Bank Interest Rates & Loan Products Overview

Quick Summary: Official interest rates and consumer financing products published by Truist Bank (TFC) across the United States:

Key Benchmark & Deposit Rates:

• Reference Prime Rate: Standing at 6.75%, serving as the benchmark index for lines of credit, variable credit cards, and consumer loans.
• Savings & CDs: Standard Truist One Savings accounts yield a base 0.01% APY. Standard Fixed-Rate CDs earn 0.05% APY across standard terms, while promotional 12-Month CDs offer promotional APYs up to 3.25% for eligible balances.

Consumer Loans & Retail Financing:

• Mortgage Loans: Standard 30-Year Fixed purchase rates start around 6.700% (approx. 6.812% APR), alongside 15-Year Fixed and ARM options with repayment terms up to 30 years, zero prepayment penalties, and Truist Relationship Discounts for qualifying banking balances.
• Auto Loans: Secured auto loan APRs start as low as 5.18% (ranging up to 18.00% APR) with terms extending up to 84 months (7 years) through branches and participating dealerships.
• Personal Loans: Unsecured fixed-rate installment loans (offered directly and through LightStream by Truist) feature APRs ranging from 7.24% to 24.89% with AutoPay for borrowing amounts from $5,000 to $100,000 with no origination or prepayment fees.
• Credit Cards: Core consumer cards (such as the Truist Enjoy Cash card) offer 0% introductory APR for 12 months, followed by a variable purchase APR starting at 18.74% with a 25-day grace period.

💡 Financial Tip: Rates and promotional terms vary by region, loan term, and relationship tier. Review personalized quotes directly on Truist.com prior to applying.