Certificates of Deposit

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Open a new personal CD online – we’re offering a special promotional rate when you bring over $10,000 in new funds. Keep your funds secure and lock in a competitive rate now for 13 months.

0.10% APY for 13 months3,4

Important Disclosure Information

The standard insurance amount is $250,000 per depositor. Visit www.fdic.gov for more information.

  1. All accounts are subject to approval. Back
  2. Rate is fixed only for the term of the CD. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest is compounded daily. The daily balance method is used to calculate interest. Customer may choose frequency of interest credit and method. If term is longer than 12 months, interest is credited at least annually. Back
  3. Offer is for a 13-month promotional rate CD with interest credited annually. Only single account ownership is available at this time. Note this is a digital offer, so a valid email address is required. Your CD must be funded through electronic ACH transfer and documents must be exchanged & signed electronically. We’ve partnered with DocuSign to ensure files are securely transmitted. Learn more about the process so you know what to expect or see a short demo. Back
  4. To obtain the promotional annual percentage yield (APY) listed, accurate as of 1/11/2021, a minimum opening deposit of $10,000 in new funds not currently on deposit with Synovus Bank is required. Relationship program customers eligible for a higher relationship rate. APY applies to initial term only. CD automatically renews for another 13-month term at rates in effect at that time. Interest compounded daily. Penalty for early withdrawal. Withdrawals of principal are not permitted within the first 60 days of initial transfer of funds.  Fees could reduce earnings. Rates not available for collateralized deposits. All accounts subject to approval. This is a limited-time offer which may be discontinued at any time. Back

Interested in a CD?

Visit your local branch or contact us to check our current rates.


When choosing a term length for your CD, carefully consider how long you can go without touching the money you plan to put aside. Make sure you choose the best term to suit your needs, to avoid incurring penalties.