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Certificate of
Deposit (CD)

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

16 months
%
APY*
  • No minimum deposit
Open account

Competitive rates

Grow your savings (even more) with rates that consistently outperform traditional savings accounts.

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.

More CD Terms that May Work for You

Choose a term that fits your goal and lock in a good rate.

14‑month CD
%
APY*
Open account
16‑month CD
%
APY*
Open account
18‑month CD
%
APY*
Open account
View all CD rates
 

All CD Product Rates and Terms

 
 
OPEN ACCOUNT

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
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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.