CD Maturity

Is your Regions CD^[1] about to mature? You have options, and we can help.

Contact us before your grace period ends

During the grace period, you can change terms, add or withdraw funds, or move funds to another product without penalty.

CDs with terms greater than 31 days have a grace period of 10 calendar days immediately following the maturity date.
CDs with terms of 7-31 days have a grace period of one business day immediately following the maturity date.

If you choose not to make any changes to your account, and you selected auto renewal when you opened it, your CD will automatically renew for the same term. Your interest rate and annual percentage yield (APY) will be based on the published rate in effect as of the maturity date and may be lower or higher than your current interest rate and APY.

Start a chat now to renew your CD term or make an appointment to discuss options, call 1-800-388-4727. You can also visit our CD account page for more details.

Check special CD rates

Take advantage of our special CD rates

Change your CD terms during your grace period and take advantage of our special CD rates. The Relationship CD offers premium CD rates for customers who open a Regions checking account and meet other relationship requirements.^[2] With a 3-month Regions Relationship CD rate starting at 4.50% APY, a 6-month Regions Relationship CD rate starting at 4.25% APY, and a 16-month Regions Relationship CD rate starting at 3.50% APY, now is the time for you to take advantage of our special rates.

4.50%

APY^[3] 3-Month Relationship CD
4.25%

APY^[3] 6-Month Relationship CD
3.50%

APY^[3] 16-Month Relationship CD

Talk with a banker about your other options

Add or transfer funds

Add funds to your CD and grow your savings, withdraw funds or transfer funds to another Regions account.

Explore other products

Learn more about other savings, money market and investment products* offered by Regions.

Automatically renew

Automatically renew for the same term with a new maturity date. Your rate and APY will be based on the published rate in effect on the maturity date and may be lower or higher than your current interest rate and APY.

View transcript

What to do if your CD is approaching maturity

Have a CD that’s approaching maturity? Watch our video to discover what to expect during the CD grace period so you can make the right choice for your financial plan.

Make an appointment today

Ready to set a plan for your savings? Make an appointment to talk with a banker before the end of your grace period. We can help you explore options so you can take the next step to reach your goals.

Make an appointment

CD maturity FAQs

The maturity date is the last day of your CD’s term. The grace period is a window of time immediately following your maturity date when you can change terms, add or withdraw funds, or move funds to another product without penalty.
- CDs with terms greater than 31 days have a grace period of 10 calendar days immediately following the maturity date.
- CDs with terms of 7-31 days have a one-business day grace period immediately following the maturity date.
If you choose not to make any changes to your account, and you selected auto renewal when you opened it, your CD will automatically renew for the same term. Your interest rate and annual percentage yield (APY) will be based on the published rate in effect as of the maturity date and may be lower or higher than your current interest rate and APY.

If you selected "single maturity" when you opened your CD account, your CD funds will be disbursed to you.
You can add funds and/or change terms during your grace period which starts on your CD maturity date. Contact a Regions banker during your grace period to make changes. Changes can only be made during your grace period. Check rates.

Make an appointment

Need more information?

Find a branch near you

Contact us

Explore FAQs

Regions CDs are uncertificated time deposit accounts and subject to the terms and conditions of the Regions Deposit Account Agreement and other related disclosures, terms, and conditions.
Special or promotional rates may apply to certain accounts, are for a limited time only, and cannot be combined with other bonus rate offers. Offer is subject to change at any time. Not available for brokered deposits, or to public entities, financial institutions, or Commercial Banking customers, as defined by Regions and/or as indicated in Regions’ records. Advertised Relationship CD rates and APYs only available for advertised term lengths if (1) opened at a participating branch using the “Find a branch near you.” button above; and (2) you meet the following Relationship Pricing requirements:
- The time deposit term must be at least 32 days; and
- The primary or secondary designated owner on the time deposit must be the primary or secondary designated owner on an open Regions Bank checking account in good standing during the 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 time deposit account documentation and disclosures and are available from the Bank’s customer service representatives. Please note that IRA and Private Wealth Management deposits are subject to separate pricing terms and do not participate in Relationship Pricing.
Annual Percentage Yields (APYs) are accurate as of 10/01/24. Rates offered for CDs may be changed at any time without notice. The minimum balance required to open the CD and obtain the APY is $500. Early withdrawal of funds may result in substantial penalty.