If you’re trying to earn interest from a competitive CD, Synchrony Bank offers customers the chance to earn at a rate of 2.85% APY on a 3-Year CD. There are no monthly maintenance fees applied to this account and it has a low minimum opening balance of $2,000.
To open a Synchrony Bank account, you must have a valid U.S. residence, a U.S. Social Security Number or a U.S. Tax Identification Number, and a U.S. Driver’s License, State Identification Number or Military ID. Open an account today and start earning interest!
Table of Contents
Synchrony Bank CD Account Information
- Direct Link to Offer
- Account Type: CD Account
- APY Rate: See table below
- Availability: Nationwide
- CD Length: 3-Year
- Soft/Hard Pull: Unknown
- Minimum Balance Requirement: $2,000
- Additional Requirements: Must have a valid U.S. residence, a U.S. Social Security Number or a U.S. Tax Identification Number, and a U.S. Driver’s License, State Identification Number or Military ID.
- Early Withdrawal Fee: A penalty may be imposed if you make a withdrawal of principal prior to the maturity date.
- Auto-Renewal: Unknown
Why You Should Apply for This Account
Award Winning Interest Rates: At the current APY, the 3-Year CD account earns at one of the highest rate in the country for a short term CD. Furthermore, interest is compounded daily and credited monthly.
Choose Your Own Term Length: If you’re looking for a shorter or longer term CD, Synchrony Bank has 3- to 60- month terms so you can pick what suits you best.
Low Minimum Deposit: As long as you open your CD with at least $2,000, you will earn interest at the highest 3-year CD rate in the country.
FDIC Insured: You can feel confident in the bank knowing that your funds are insured up to the maximum amount of $250,000.
|CD Term||APY Rate|
|3-Month Term||0.75% APY|
|6-Month Term||1.00% APY|
|9-Month Term||1.25% APY|
|12-Month Term||2.00% APY|
|13-Month Term||2.00% APY|
|14-Month Term||2.00% APY|
|15-Month Term||2.00% APY|
|18-Month Term||2.00% APY|
|24-Month Term||2.10% APY|
|36-Month Term||2.10% APY|
|48-Month Term||2.10% APY|
|60-Month Term||2.15% APY|
Signing up for Synchrony Bank’s online CD account is simple as long as you have a valid U.S. residence, a U.S. Social Security Number or a U.S. Tax Identification Number, and a U.S. Driver’s License, State Identification Number or Military ID. You’ll want to find all of those documents in a hurry once you hear that the bank offers a competitive rate of for a 3-Year CD (see table above) with no maintenance fees!
All you have to do is deposit at least $2,000 to get the account started. Sign up today and make the most out of your new high interest CD account. If you’re looking for rates from other banks, check out our list of the Best CD Rates in the country!
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards.
• 5X points on travel purchased through Chase Ultimate Rewards
• 3X points on dining
• 3X points on select streaming services and online grocery purchases
• 2X points on all other travel purchases
• 1X point per $1 spent on all other purchases
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit and when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value!
This card carries a $95 annual fee.