About this Account:

Reach your financial goals with a steady return from SunTrust CD’s. We have guaranteed interest rates, so the more you save, the more you earn! Plus, low minimum deposits. Mma-3-month MENU. Mma-12-month MENU. Mma-checking-12-month MENU. View Personal Certificates of Deposit (CDs) Menu; Personal Certificates.

• For example, let’s say you find a 12-month CD at a big brick-and-mortar bank that requires a $1,000 minimum deposit and pays 0.05% APY. If you were to open that account with just the minimum, you’d earn 50 cents after a year. Even a bigger deposit of $10,000 would only yield $5 at maturity.
• The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years.
• Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily. Return to content, Footnote 3.
• The best 12-month CD rates are typically found through online banks and credit unions. Online banks have less overhead costs compared to traditional brick and mortar banks.

A safe, guaranteed return on your investment makes our CDs a great option to help you save for the future.

• Variable opening amounts
• Interest Rate: Based on term – Click here to call for current rates.
• Interest Paid: At maturity on less than 12 months term; quarterly for terms of 12 months or more.
• Penalties: Early withdrawal penalty if withdrawn before maturity. The following penalties apply if the certificate is redeemed prior to maturity:
  • Terms of 7 to 31 days: the greater of the actual interest earned or 15 days interest.
  • Terms of 32 days to 12 months: one month of interest.
  • Terms greater than 12 months but less than 36 months: three months interest.
  • Terms of 36 months or more: six months interest.

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Best 12 Month CD Rates At Banks In Philadelphia, PA