Synchrony Bank is offering great rates for their online certificate of deposit (CD) accounts. See the current rates below.
- Update 1/6/26: Rates updated. Compare with these competitive CD rates from Barclays.
- Update 4/24/25: Rates updated.
- Update 1/19/2024: Rates remained unchanged.
- Update 12/19/2023: Some rate changes.
- Update 11/8/2023: Several term lengths have increased rates. The highest rate now up to 5.50% APY.
- Update 10/4/2023: Small updates, highest rate remains 5.10% APY.
- Update 8/24/2023: Highest rate is now 5.10% APY
- Update 7/3/2023: Several terms get rate updates.
- Update 5/10/2023: The APY rates for their 14-month CD decreased to 4.50%.
- Update 4/17/2023: The APY rates for their 12-month and 14-month CDs increased from 4.50% and 5.00% to 4.75% and 5.15%, respectively.
- Update 2/27/2023: The APY rates for their 12-month and 14-month CDs increased from 4.30% and 4.60% to 4.50% and 5.00%, respectively.
- Update 1/6/2023: The APY for their 14-month CD increased to 4.40%.
Quick Facts:
- Synchrony Bank is the personal depository banking component of Synchrony Financial.
- Synchrony offers CDs, high yield savings accounts, money market accounts, and IRA CDs.
- The bank traditionally offered some of the highest interest rates on the market.
- The bank issues the Amazon Prime Store Card.
See the Posts History below for all Synchrony Bank’s offers.
READ MORE: GET TOP OFFERS FROM BMO, CIT and AXOS.
Synchrony Bank CD Account Details
Synchrony Bank offers a variety of CD options, with terms ranging from 3 to 60 months.
Here is a table with the current rates for the most popular CD terms offered by Synchrony Bank:
| Term | APY |
|---|---|
| 6 Month CD | 3.75% |
| 9 Month CD | 4.10% |
| 12 Month CD | 3.80% |
| 18 Month CD | 3.70% |
| 24 Month CD | 3.50% |
| 36 Month CD | 3.60% |
- Available nationwide
- Minimum for APY: $0
- Maximum for APY: –
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How To Open An Account
- Use the link above to start the online opening process.
- Before you begin, be sure to have the following information available to complete your account application.
- Personal Information
- Social Security Number or Tax Identification Number
- Valid U.S. Address
- Form of identification
- No minimum balance is required.
READ MORE: COMPARE WITH THE TOP NATIONWIDE CD RATES
Posts History for Synchrony:
- Synchrony Bank Promotions: Money Market and CD Account Offers (Nationwide)
- Amazon Prime Store Card: Get Up To $40 With $400 Amazon Spend [Targeted]
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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