If you like great interest rates on savings products like a CD and prefer banking online, then Synchrony Bank might be the right bank for you. Available nationwide, they offer a wide range of competitive rates to fit all your banking and saving needs.
Consider opening a Synchrony Bank Certificate of Deposit (CD) to earn up to 4.15% APY. Learn more.
Update 6/24/25: There is currently a 15 month term offering a competitive 4.15% APY.
Synchrony Bank Best CD Rates
| Term | APY Rate |
| 3-Month | 0.25% |
| 6-Month | 3.70% |
| 9-Month | 3.90% |
| 11-Month No-Penalty | 0.25% |
| 12-Month | 4.00% |
| 15-Month | 4.15% |
| 18-Month | 3.80% |
| 24-Month | 3.50% |
| 24-Month Bump Up | 3.00% |
| 36-Month | 4.00% |
| 48-month | 3.50% |
| 60-Month | 4.15% |
APYs are subject to change at any time without notice. Offers apply to personal accounts only. A penalty may be imposed for early withdrawals from a CD. After maturity, if you choose to roll over your CD, you will earn the base rate of interest in effect at that time. Fees may reduce earnings. Member FDIC.
Synchrony Bank CD Features
- Online Only
- Great Rates. Count on It. Open a CD with Synchrony Bank today. Member FDIC. Learn More about Great Rates at Synchrony Bank.
- Reach Your Financial Goals. Open a CD with Synchrony Bank Today. Member FDIC. Learn more about great rates at Synchrony Bank.
- Open a CD Account with Great Rates and No Minimum Deposit.
- Let your money work for you. Great Rates. Count on It. Open a CD Account with Synchrony Today. Member FDIC.
- Get More For Your Money. Visit Synchrony Bank Online Today to Open a CD Account.
- Savings Products with Competitive Rates and No Minimum Deposit.
- Retire Happier. Synchrony Bank makes it easier to reach your retirement goals.
- Save with Synchrony Bank. Our Mobile App makes it easy to bank anywhere – and control your accounts from a Smartphone or Tablet
- Terms range from 3 months to 5 years
- No minimum deposit required to open
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Conclusion
When you open an account with Synchrony Bank, you’ll feel like they’ve customized banking just for you. With a great variety of terms and rates, you’ll be sure to find one that’s right for you! Additionally, the bank is available 24/7 from your computer, tablet or smartphone, so you can choose when and where you want to bank.
You can relax with the peace of mind that comes with consistently great rates and the safety of FDIC insurance. And you can relax even more knowing that the wide range of APY lengths allow you to be in even more control while bettering your savings and your financial future. However, if you are not interested, then check out our complete list of the Best CD Rates for all your banking needs!
For more options, see our list of the latest no penalty cd rates.
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
