Certificate of
Deposit (CD)

Synchrony Bank CDs: smart money that
earns peace of mind.

16 months
%
APY*
  • No minimum deposit
OPEN ACCOUNT
14‑month
Certificate of Deposit (CD)
%
APY*
  • No minimum balance

Lock in for higher rates.

Better rates reward your commitment to saving. Easy to track your earnings online.

OPEN ACCOUNT
LEARN MORE

Certificate of Deposit (CD)

Lock in higher rates that reward your commitment to saving.

Want to lock in a competitive rate and let your money steadily grow? Then a Synchrony Bank Certificate of Deposit (CD) may be the perfect choice.

Not sure what term is right for you or how to open a CD account? Our CD calculator can help you compare CD rates and find the term or combination of terms to help you reach your savings goals. Choose a shorter term for earlier access or a longer term to reward your commitment to saving. Let’s get started.

16-month
Certificate of Deposit (CD)
%
APY*
  • No minimum balance

Earn for tomorrow, starting today.

Boost your funds with a compelling rate; lock in smart earnings to keep your funds growing.

OPEN ACCOUNT
LEARN MORE

Certificate of Deposit (CD)

Lock in this great rate, before it’s gone.

A competitive rate will help you reach your savings goals. And a Synchrony Bank Certificate of Deposit (CD) meets the moment better than most.

Whether you’re aiming for a short-term or long-term goal, get in on a rate that will help you get there faster. But only if you act fast, too. Ready to get started?

60-month
Certificate of Deposit (CD)
%
APY*
  • No minimum balance

Our best rate for the long term.

Seize our best CD rate today and lock in steady growth you can count on.

OPEN ACCOUNT
LEARN MORE

Certificate of Deposit (CD)

Lock in this great rate, before it’s gone.

A competitive rate will help you reach your savings goals. And a Synchrony Bank Certificate of Deposit (CD) meets the moment better than most.

Whether you’re aiming for a short-term or long-term goal, get in on a rate that will help you get there faster. But only if you act fast, too. Ready to get started?

Choose a great rate. Make it count.

Explore Synchrony Bank CD rates and terms.

View All Rates

Choose a great rate. Make it count.

Explore Synchrony Bank IRA CD rates and terms.

View All IRA Rates
 
 

Source: Curinos LLC.  curinos.com.   Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. See disclosures below for more information.
Certificate of Deposit (CD)
How it works
Let’s say you want to earn as much interest as you can, but you’re not quite sure when you’ll need your cash. A CD account is a great option for you.
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Looking for other options that earn interest? We’ve got them.
%
APY*
High Yield Savings (HYS)
  • No minimum balance
EXPLORE HIGH YIELD SAVINGS
%
APY*
Money Market Account (MMA)
  • No minimum balance
EXPLORE MONEY MARKET ACCOUNT

FAQs

VIEW ALL FAQs
VIEW ALL FAQs

Be in the know about making your money grow

*DISCLOSURES:

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

APYs are subject to change at any time without notice. Offers apply to personal non-IRA accounts only. Charges for specific services may reduce earnings. For Money Market and High Yield Savings Accounts, the rate may change after the account is opened. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest for your CD type in effect at that time.

BUMP-UP CD: A rate increase may be requested once during the term of the CD should the rate we offer for the Bump-Up CD rise.

NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC through 08/03/2026. CD Rates: Average APYs are based on certificate of deposit accounts of $25,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.