Regions Bank CD Rates for 2025
Written by
Sarah Sharkey
Edited by
Melanie Grafil
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Regions Bank offers Standard CDs and Special CDs with relationship rates. In order to qualify for a Special CD, which comes with higher APYs, you’ll need to have another qualifying account with the bank.
Here are the rates you can expect with Regions Bank:
| CD Term | Standard APY | Relationship APY |
|---|---|---|
| Less than 1 month | ||
| 1 to 5 months | ||
| 6 months | ||
| 8-12 months | ||
| 14 to 18 months | ||
| 20 to 23 months | ||
| 24 to 35 months | ||
| 36 to 47 months | ||
| 48 to 59 months | ||
| 60 to 72 months | ||
| 8 months, promotional rate | ||
| 13 months, promotional rate | ||
| 19 months, promotional rate |
Types of CDs Offered by Regions Bank
Regions Bank offers a few different CD options to fit various savings goals. Here’s what you need to know:
Standard CDs
These are the classic option — great for those who want a secure place to park their money while earning interest. Features include:
- Flexible term lengths to match your savings timeline
- Competitive interest rates that are typically higher than regular savings accounts
Jumbo CDs
Got a larger sum to invest? Jumbo CDs require a higher minimum deposit but often reward you with better rates. If you’re comfortable locking away your cash for a while, this could be a good way to maximize your returns.
Special Promotional CDs
Regions Bank occasionally offers promotional CDs with limited-time rates that are higher than their standard offerings. These can be a great opportunity to take advantage of better earnings — just be sure to check availability, as these offers change.
How to Open a Regions Bank CD
Opening a CD with Regions Bank is a pretty straightforward process. Here’s how you can do it:
- Visit a branch. Stop by your nearest Regions Bank location and speak with a representative.
- Use the website. If you prefer a digital route, you can apply online.
- Call customer service. A bank representative can guide you through the process over the phone.
To get started, you’ll need:
- A valid government-issued ID
- Your Social Security number
- A Regions Bank account (if required for certain CDs)
- The minimum deposit amount for your chosen CD
Alternatives to Regions Bank CDs
CDs are a solid choice for safe, predictable savings, but they aren’t the only option. Depending on your financial goals, you might also consider:
- High-yield savings accounts. These offer competitive interest rates with the flexibility to access your money anytime.
- Treasury bills (T-bills). A short-term, government-backed option that provides steady returns.
- Money market accounts. A mix between savings and checking, giving you interest plus some access to your funds.
The Bottom Line
Regions Bank CDs offer a reliable way to grow your savings with guaranteed returns, whether you choose a standard, jumbo, or promotional CD. However, it’s always smart to explore all your options to see what works best for your financial situation. If flexibility is key, a high-yield savings account might be worth considering.
No matter which path you choose, the important thing is making your money work for you.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 8, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
