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Certificate of Deposit (CD)

Save more, do more with a great CD rate.

%
APY*
  • No minimum deposit
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24-month term
Bump-up CD
%
APY*
  • No minimum balance

Earn with confidence.

A great way to start saving. One time flexibility to request an increase should the rate we offer for this product rise.

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Bump-Up CD

Earn with the confidence to boost your rate once during the CD term.

Unsure about locking in a rate for the entire term of a CD today? With our Bump-Up CD option, if the rate we offer for this CD term increased you have the power of choice to bump up your APY and interest rate once during the term and enjoy a higher rate, effective through the end of your CD's current term before it auto-renews. Has building your savings ever been smarter or easier?

With our Bump-Up CD option, if the rate we offer for this CD increases you have the power of choice to bump up your APY and interest rate once during the term and enjoy a higher rate, effective through the end of your CD’s current term before it auto-renews.

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

Our best rate, currently.

Get a rate that’s right, right now. This opportunity offers long-term gains.

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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?

13‑month, 19‑month, or 60‑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.

START SAVING NOW
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.

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.

NO-PENALTY CD: Early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed.

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 07/01/2025. 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.