Latest Truist Bank Interest Rates - September 2026

Truist Bank Interest Rates & Loan Products Overview

Quick Summary: Key benchmark reference rates, consumer retail deposit APYs, and lending products offered by Truist Bank (TFC):

Featured Rates & Products:

• Deposit Accounts & CDs: Standard Truist One Savings accounts earn a baseline of 0.01% APY, while promotional 12-Month Certificate of Deposit (CD) tiers yield up to 3.25% APY.
• Mortgage Loans: 30-Year Fixed purchase mortgage interest rates start from 6.875% (7.075% APR), with conventional low-down-payment options allowing up to 97% LTV and no prepayment penalties.
• Auto Financing: Direct vehicle purchase loans feature fixed rates starting as low as 5.18% APR for qualified borrowers with terms available up to 84 months.
• Personal Loans: Unsecured personal installment loans are offered from $5,000 to $100,000 with fixed APRs starting from 7.49% to 24.94% (inclusive of a 0.50% AutoPay discount) and no origination or prepayment fees.
• Benchmark Index: The reference Truist Prime Lending Rate stands at 6.75%.

💡 Financial Tip: Setting up automated monthly payments from a Truist checking account secures a 0.50% APR interest discount on personal installment loans and qualifies borrowers for fee waivers across Truist One relationship accounts.