Bank · FDIC insured
Synchrony Bank CD Rates
Top CarrotSynchrony Bank’s best CD rate is 4.50% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Synchrony Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Synchrony Bank
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $0
- Earns on $10,000
- $2,462
Certificate of Deposit (CD)
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Synchrony Bank CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Synchrony Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.50%APY · 14 terms
Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.25% | $6 |
| 6 months | 4.10% | $203 |
| 9 months | 4.15% | $310 |
| 12 months | 4.20% | $420 |
| 13 months | 4.40% | $478 |
| 14 months | 4.30% | $503 |
| 15 months | 4.30% | $540 |
| 16 months | 4.30% | $577 |
| 18 months | 4.35% | $660 |
| 19 months | 4.35% | $697 |
| 24 months | 4.35% | $889 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.40% | $1,880 |
| 60 months | 4.50% | $2,462 |
Sources (2)
All captured Oct 22, 2026
Bump-Up CD
3.00%APY · 1 term
A rate increase may be requested once during the term of the CD should the rate we offer for the Bump-Up CD rise. Personal non-IRA accounts only. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA rate increase may be requested once during the term of the CD should the rate offered for the Bump-Up CD rise | 3.00% | $609 |
Sources (2)
All captured Oct 22, 2026
No-Penalty CD
0.25%APY · 1 term
Early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed. Personal non-IRA accounts only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 months | 0.25% | $23 |
Sources (1)
- synchrony.com/banking/products/ratesandterms · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate of Deposit (IRA CD)
Up to 4.50%APY · 14 terms
Available as Traditional or Roth IRA. Early withdrawal penalties apply. Tax penalties may apply for withdrawals prior to age 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.25% | $6 |
| 6 months | 3.25% | $161 |
| 9 months | 3.50% | $261 |
| 12 months | 4.20% | $420 |
| 13 months | 3.80% | $412 |
| 14 months | 3.80% | $445 |
| 15 months | 3.80% | $477 |
| 16 months | 3.80% | $510 |
| 18 months | 4.35% | $660 |
| 19 months | 3.50% | $560 |
| 24 months | 4.35% | $889 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.40% | $1,880 |
| 60 months | 4.50% | $2,462 |
Sources (2)
All captured Oct 22, 2026
IRA Bump-Up CD
3.00%APY · 1 term
A rate increase may be requested once during the term of the CD should the rate we offer for the Bump-Up CD rise. Available as IRA. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsA rate increase may be requested once during the term of the CD should the rate offered for the Bump-Up CD rise | 3.00% | $609 |
Sources (1)
- synchrony.com/banking/products/ira-rates-and-terms · captured Oct 22, 2026
IRA No-Penalty CD
0.25%APY · 1 term
Early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed. Available as IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 months | 0.25% | $23 |
Sources (1)
- synchrony.com/banking/products/ira-rates-and-terms · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.