Certificates of Deposit

Whether you’re looking to invest for a few months or a few years, we offer a variety of CD types and term lengths to match your needs and goals1. All CDs offer a fixed rate of return.2 CDs renew automatically, at the interest rate in effect at the time of renewal making it easier to keep your investments growing. 

Unsure if you need a CD or a money market account for your savings needs? Check out these tips.

Apply Online

Keep in mind that we offer a limited selection of CD products and interest rates online.3 We have a wide variety of CD features and term lengths available in our branches. CDs renew automatically4 at the interest rate in effect at the time of renewal. 

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. We offer a limited selection of CD options online; additional CD term lengths, account features, and interest rates are available in branch. 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 of interest payment when opened in a Synovus branch. Back
  3. The principal amount of CDs opened online may not be withdrawn under any circumstances during the first 60 days of the initial transfer of funds. Any language related to early withdrawals will not apply to this first 60 day period as early withdrawals will not be allowed.

  4. Account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate and annual percentage yield have not yet been determined. They will be available on the date of maturity. You have a grace period of 10 calendar days (5 calendar days grace period for 7-89 day CDs) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written notice from you before maturity of your intention not to renew.


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.