Certificate of
Deposit (CD)
Synchrony Bank CDs: smart money that
earns peace of mind.
No monthly fees
You're able to hold on to more of what you earn, and what you deposit will always be yours to grow.
FDIC insurance
Enjoy the security of FDIC-backed insurance, which protects all your deposits, up to $250,000.
Featured CD Rates
16‑month
Certificate of Deposit (CD)
%
APY*
Better rates reward your commitment to saving. Easy to track your earnings online.
13-month
Certificate of Deposit (CD)
%
APY*
Boost your funds with a compelling rate; lock in smart earnings to keep your funds growing.
60-month
Certificate of Deposit (CD)
%
APY*
Seize our best CD rate today and lock in steady growth you can count on.
More CD Terms that May Work for You
Choose a term that fits your goal and lock in a good rate.
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.
FAQs
Is there an early withdrawal penalty for CDs?
Can I withdraw my interest from a CD?
Can I make additional deposits to my CD?
Are Synchrony Bank deposit accounts FDIC insured?
Looking for other options that earn interest? We’ve got them.
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 09/01/2026. 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.
FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.