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30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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CD Rates

Synchrony Bank CD Rates

Updated August 2026 · By the Fintiex Rate Desk

Synchrony is an online-only bank best known for its high-yield savings account and store credit cards. Its CDs are traditional bank certificates: you open the account directly with Synchrony, interest compounds daily, and the CD auto-renews at maturity unless you act during the grace period.

In mid-2026 Synchrony's headline CD rates sat around 3.70% APY on a 12-month term, 3.60% on 3 years, and 3.75% on 5 years. There is no minimum deposit, which is rare for CDs and makes Synchrony practical for small ladders or first-time CD savers.

Synchrony also offers a no-penalty CD and a bump-up CD. The no-penalty version pays slightly less in exchange for letting you withdraw the full balance after the first 6 days without any fee, a useful middle ground between a savings account and a locked CD.

Compare top CD ratesSee high-yield savings instead
Rates by term

Synchrony Bank CD rates

Traditional bank CDs opened directly with the institution. Minimum deposit: None.

Term
APY
6 months
~3.40%
12 months
~3.70%
18 months
~3.60%
3 years
~3.60%
5 years
~3.75%

Rates as of mid-2026. Rates are approximate mid-2026 figures and change with the market. Synchrony publishes live APYs for every term at synchrony.com; confirm there before opening.

How Synchrony Bank CD rates compare

Synchrony's CD rates are solid but not market-leading. The best nationally available 12-month CDs paid around 4.10% APY in mid-2026, roughly 40 basis points above Synchrony. On $25,000 over one year, that gap is about $100 of interest.

Where Synchrony wins is flexibility: no minimum deposit, daily compounding, a genuine no-penalty option, and one login for CDs plus one of the better high-yield savings accounts. Against the FDIC 1-year national average of about 1.99%, it remains a strong mainstream choice.

Before you open: the fine print

Standard Synchrony CDs auto-renew at maturity into the same term at whatever rate is current. Mark the maturity date; the grace period is short, and early withdrawal after auto-renewal costs several months of interest depending on term length.

Synchrony Bank CD questions, answered

Is Synchrony Bank FDIC-insured?

Yes. Synchrony Bank is an FDIC member, and deposits are insured up to $250,000 per depositor, per ownership category, the same coverage as any branch bank.

What is the early withdrawal penalty on Synchrony CDs?

It scales with term: terms of 12 months or less forfeit 90 days of simple interest, terms of 12 to 48 months forfeit 180 days, and terms over 48 months forfeit 365 days. The no-penalty CD avoids this entirely after the first 6 days.

Does Synchrony have a minimum deposit for CDs?

No. You can open any Synchrony CD with any amount, which is unusual; most banks require $500 to $2,500. This makes Synchrony convenient for building a CD ladder in small steps.

Synchrony CD vs Synchrony high-yield savings: which should I use?

The savings account keeps money liquid with a variable rate; the CD locks a rate for the term. If rates are falling, the CD protects your yield. For an emergency fund, stay with savings or use the no-penalty CD so you keep access.

Next step

Before locking any CD, spend two minutes comparing the term you want against the current national leaders. If you need the money to stay liquid, a top high-yield savings account may serve you better than a short CD.

Compare CD ratesBest high-yield savings