Synovus Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Synovus BankToday's 12-month CD rates can be found at 4.34%, 6-month CD rates at 4.05% and 3-month CD rates at 0.50%. Current savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.95%. Credit Card rates are at 12.50%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Synovus Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Synovus Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Synovus Bank CD rates. You can also compare Synovus Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Synovus Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Synovus Bank? Share your experience about Synovus Bank by leaving a review below, or read customer reviews before you decide to use Synovus Bank.

Synovus Bank Texas Ratio

Synovus Bank's Texas Ratio is at 7.30%, which is considered excellent. The Texas Ratio for Synovus Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Synovus Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Synovus Bank
1111 Bay Ave
Columbus, GA 31901
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Compare Synovus Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
12-Month CD
4.08%
$100
Phelps County Bank
Phelps County Bank
60-Month CD
4.01%
$1,000
Evergreen Bank Group
Evergreen Bank Group
12-Month CD
4.00%
$500
PSECU
PSECU
9-Month CD
4.00%
$500
American National Bank
American National Bank
Money Market
4.00%
$25,000
TAB Bank
TAB Bank
36-Month CD
3.91%
$1,000
Commerce Bank & Trust Winter Park, FL
Commerce Bank & Trust Winter Park, FL
6-Month CD
3.85%
$0
Second Federal S&L
Second Federal S&L
36-Month CD
3.75%
$500
Vermont State Bank
Vermont State Bank
36-Month CD
3.61%
$500
Sikorsky Credit Union
Sikorsky Credit Union
30-Month CD
3.45%
$500
Finworth
Finworth
36-Month CD
3.30%
$50,000
Halstead Bank
Halstead Bank
36-Month CD
3.30%
$1,000
Community Bank of Trenton
Community Bank of Trenton
60-Month CD
3.25%
$5,000
First National Bank of Michigan
First National Bank of Michigan
24-Month CD
3.04%
$2,500
Farmers State Bank of Western Illinois
Farmers State Bank of Western Illinois
12-Month CD
3.03%
$500
The Bank of Protection
The Bank of Protection
36-Month CD
2.87%
$500
First National Bank Alamogordo, NM
First National Bank Alamogordo, NM
48-Month CD
2.78%
$100
Coffee County Bank
Coffee County Bank
36-Month CD
2.75%
$1,000
New Haven Bank
New Haven Bank
48-Month CD
2.75%
$500
Stafford Savings Bank
Stafford Savings Bank
60-Month CD
2.54%
$500
Gesa Credit Union
Gesa Credit Union
High-Yield Savings
2.50%
$100,000
CSB Norwood Young America
CSB Norwood Young America
48-Month CD
2.37%
$500
Union County Savings Bank Elizabeth, NJ
Union County Savings Bank Elizabeth, NJ
48-Month CD
2.35%
$500
Eureka Savings Bank
Eureka Savings Bank
60-Month CD
2.28%
$1,000
State Bank & Trust Company
State Bank & Trust Company
24-Month CD
2.02%
$1,000
Southwest Missouri Bank
Southwest Missouri Bank
60-Month CD
2.00%
$500
FNB Of Nokomis
FNB Of Nokomis
30-Month CD
1.76%
$1,000
Enterprise Bank Allison Park, PA
Enterprise Bank Allison Park, PA
Simplicity Consumer Savings
1.56%
$0
The Bank of New Glarus
The Bank of New Glarus
48-Month CD
1.40%
$2,000
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
Combined Money Market
1.26%
$25,000
Buena Vista National Bank
Buena Vista National Bank
36-Month CD
1.15%
$500
First Arkansas Bank and Trust
First Arkansas Bank and Trust
36-Month CD
0.75%
$500
Bank of Sun Prairie
Bank of Sun Prairie
12-Month CD
0.75%
$500
Eclipse Bank
Eclipse Bank
36-Month CD
0.60%
$1,000
Kearny Bank
Kearny Bank
36-Month CD
0.55%
$500
Bank of Easton
Bank of Easton
Advantage Money Market
0.50%
$10,000
Lusitania Savings Bank
Lusitania Savings Bank
60-Month CD (IRA)
0.50%
$100
Marion Center Bank
Marion Center Bank
Statement Savings
0.50%
$100
Century Bank and Trust GA
Century Bank and Trust GA
24-Month CD
0.50%
$500
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
48-Month CD
0.45%
$500
The Middlefield Banking Company
The Middlefield Banking Company
12-Month CD
0.45%
$500
Sugar River Bank
Sugar River Bank
24-Month CD
0.40%
$500
Madison Valley Bank
Madison Valley Bank
Money Market
0.38%
$1,000
Pioneer Bank Albany, NY
Pioneer Bank Albany, NY
18-Month CD
0.35%
$500
Hiawatha National Bank
Hiawatha National Bank
Interest Checking
0.20%
$500
Wolf River Community Bank
Wolf River Community Bank
Advisors Choice Money Market
0.20%
$0
Roxboro Savings Bank
12-Month CD
0.15%
$500
VisionBank Saint Louis Park, MN
VisionBank Saint Louis Park, MN
Vision Savings
0.10%
$50
The Union Bank Company
The Union Bank Company
6-Month CD
0.05%
$500
Androscoggin Savings Bank
Androscoggin Savings Bank
Money Market
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Synovus Bank rate data right now, check back for updates, we are adding rates all the time.

Synovus Bank Information

Synovus Bank
1111 Bay Ave
Columbus, GA 31901
Muscogee
Established Date: 01/01/1888
FDIC Certificate #: 873
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: SYNOVUS FINANCIAL CORP
How Many Domestic U.S. Offices? 253
How Many Branches are There? 254
Is Synovus Bank FDIC Insured? Yes
What is Synovus Bank's Cert number? 873
What is the maximum amount for insured deposits? $250,000 per holder, per account

Synovus Bank Financials

Total Assets:
$59,715,619,000
Total Deposits:
$51,179,997,000
Equity Capital:
$4,840,859,000
Domestic Deposits:
$51,179,997,000
Net Income:
$125,237,000
Return on Assets:
1.0583%
Quarterly Return on Assets:
0.8400%
Pretax Return on Assets:
1.0909%
Pretax Quarterly Return on Assets:
1.0900%
Return on Equity:
13.8800%
Quarterly Return on Equity:
10.2400%
Common Equity Tier 1 Capital Ratio:
10.9263%
Tier 1 Risk-Based Capital Ratio:
10.9263%
Leverage Tier 1 (Core Capital) Ratio:
9.1521%
Total Risk-Based Capital Ratio (YTD):
12.2647%
Total Interest Income (YTD):
5.4580%
 
 
Headquarters:
Columbus
FDIC Field Office:
Atlanta
Regulator:
FED
County:
Muscogee
# of Offices:
253
Metropolitan Statistical Area (MSA):
Columbus, GA-AL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

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E-Loan, a subsidiary of Banco Popular North America, is advertising certificates of deposit with terms ranging between 1 month and 6 years. E-Loan's minimum opening deposit and minimum balance requirement to earn the CD rate and yield is $10,000. E-Loan’s bank CD rates are tiered but currently all have the same CD rates and yields regardless of the account balance.
Low savings rates were one of the topics at a House Finance hearing this week. It's nice to hear a Congressman complain to the Fed Chairman about low savings account rates.

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