Certificates of Deposit

3.50% APY5 on a 13-month Certificate of Deposit.

Minimum $10,000 deposit and a qualifying Synovus Plus, Synovus Inspire or Synovus Private Wealth relationship program required6.

You’ll get a 3.30% APY5 if you don’t currently qualify for one of our relationship programs.

Rates vary by market. Other restrictions and requirements may apply.

To talk to us about joining one of our relationship programs, stop by one of our convenient locations. Or if you’d like someone to contact you about joining a relationship program so you can qualify for the best CD rate, click here.

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


I’d like to talk with someone about Synovus relationship programs and CDs.

example: 888-796-6887

example: jsmith@example.com


example: 31901

Important disclosure 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. The principal amount of CDs opened online may not be withdrawn under any circumstances during the first 60 days of the initial transfer of funds.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.

  3. 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.

  4. 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
  5. The Annual Percentage Yield (APY) of 3.50% APY and 3.30% APY is available for 13-month Certificates of Deposit (CDs). APY is accurate as of 12/12/22. This is a limited-time offer which may be discontinued at any time. APY applies to initial term only. Interest compounded daily. Penalty for early withdrawal. Fees could reduce earnings. Other rates and terms are available. See bank for details. Rates not available for collateralized deposits. All accounts subject to approval. Back
  6. To obtain the promotional annual percentage yield (APY) listed, consumer customers must be qualified for relationship program benefits through Synovus Plus, Synovus Inspire or Synovus Private Wealth. Offer limited to new funds only (funds not currently on deposit with Synovus). Minimum opening balance $10,000 and max deposit of $2.5 Million. Promotional APY in effect for initial term only. CD is automatically renewed for the term of a standard CD based on the published rate for the term at time of renewal. 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.