Synchrony Bank CD Rates: 4.15% APY 15 Month, 4.15% APY 60 Month, 4.00% APY 12 Month Term (Nationwide)

Residents nationwide can take advantage of Synchrony Bank Certificate of Deposit (CD) rates, offers, and promotions here.

Update 6/24/25: There is currently a 15 month term offering a competitive 4.15% APY. Learn more.

With a wide range of CD rates to take advantage of, you will be able to find a rate to fit your financial needs!

Best CD Rates: 4.15% APY 15 Month, 4.15% APY 60 Month, 4.00% APY 12 Month Term, no minimum deposit

Availability: Nationwide. Online

Credit Inquiry: Soft Pull

About Synchrony Bank 

Headquartered in Draper, Utah, Synchrony Bank is an internet bank that offers its services and product line to U.S. citizens and “U.S. lawful permanent residents.” You must be 18 years or older, have a permanent U.S. residential address, and possess a valid Social Security number.

Establish in 1988, Synchrony Bank can trace its origins back to Monogram Bank. Then bank was known as GE Capital Retail Bank. Currently, Synchrony Bank is the 41st largest bank in the country with assets in excess of $87 billion.

*The above rates are accurate as of 6/24/2025*

Synchrony Bank CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.

They currently offer standard CD rates from 3-month to 60-month. If you’re interested in making a higher rate than a traditional savings account then make sure to check out Synchrony Bank’s CDs and their rates listed below.

• Minimum deposit: $0
• Maximum deposit: None
• Early withdrawal penalty:
  • Terms of 12 months or less: 90 days of simple interest at the current rate.
  • Terms of more than 12 months but less than 48 months: 180 days of simple interest at the current rate.
  • Terms of 48 months or more: 365 days of simple interest at the current rate.

Synchrony Bank CD Features

• Online Only
• Great Rates. Count on It. Open a CD with Synchrony Bank today. Member FDIC. Learn More about Great Rates at Synchrony Bank.
• Reach Your Financial Goals. Open a CD with Synchrony Bank Today. Member FDIC. Learn more about great rates at Synchrony Bank.
• Open a CD Account with Great Rates and No Minimum Deposit.
• Let your money work for you. Great Rates. Count on It. Open a CD Account with Synchrony Today. Member FDIC.
• Get More For Your Money. Visit Synchrony Bank Online Today to Open a CD Account.
• Savings Products with Competitive Rates and No Minimum Deposit.
• Retire Happier. Synchrony Bank makes it easier to reach your retirement goals.
• Save with Synchrony Bank. Our Mobile App makes it easy to bank anywhere – and control your accounts from a Smartphone or Tablet
• Terms range from 3 months to 5 years
• No minimum deposit required to open

Bottom Line

If you are interested in a short or long term CD then, Synchrony Bank is currently offering competitive CD rates! Opening a CD with Synchrony Bank means greater savings and maximizing your earning potential.

You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest Synchrony Bank CD rates!

However, you may want to compare them with our best CD Rates:

• Best 6-Month CD Rates
• Best 9-Month CD Rates
• Best 12-Month CD Rates
• Best 18-Month CD Rates
• Best 24-Month CD Rates
• Best 36-Month CD Rates
• Best 48-Month CD Rates
• Best 60-Month CD Rates
• Best No Penalty CD Rates

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.