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Bump-Up CD 24 Months

%
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.

Certificate of Deposit (CD)

UP TO

%
APY*
No minimum balance

Lock in for higher rates.

Better rates reward your commitment to saving. Easy to track your earnings online.

No-Penalty CD 11 Months

%
APY*

No minimum balance

Flexible and steady savings.

No early withdrawal penalty if you need to access to your money*. Your commitment to save offers you stability with our No-Penalty CD flexibility.

Choose a great rate. Make it count.

Explore Synchrony Bank CD rates and terms.

View All 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.

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.

Synchrony Bank | Certificates of Deposit (CDs)
Synchrony Bank | Certificates of Deposit (CDs)

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.

Looking for other options that earn interest? We’ve got them.

High Yield Savings (HYS)

APY*

No minimum balance

EXPLORE HIGH YIELD SAVINGS

Money Market Accounts (MMAs)

APY*

No minimum balance

EXPLORE MONEY MARKET ACCOUNTS

FAQ

Penalty Amounts
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

Exceptions: For information on exceptions, please click here.

 
 

We assess an early withdrawal penalty if you withdraw funds from the principal balance prior to the maturity date. Certain exceptions may apply.

If you are interested in having more flexible access to your funds, you can consider a CD Ladder strategy or the No-Penalty CD.

You can withdraw interest paid during your CD’s current term anytime without penalty. You can transfer the interest to a Synchrony Bank High Yield Savings or Money Market Account or a non-Synchrony Bank account. For help withdrawing your interest, call us at 1-866-226-5638.

  • While you are not able to add additional funds during the term of the CD, you can add additional funds during the 10-day grace period after the CD maturity date.
  • If you are interested in adding money to your CD portfolio, we encourage to consider a CD ladder strategy. To learn more about CD ladder strategy click here.
Synchrony Bank is a member of the FDIC. Your deposit accounts are insured up to $250,000.00 per ownership category. To learn more about FDIC coverage, please visit the FDIC website at FDIC: Deposit Insurance At A Glance.

Be in the know about making your money grow

SAVING & BUDGETING10 minutes

What Is a Certificate of Deposit (CD) and How Does It Work?

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Getting to the Next Level with a CD Ladder

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A Guide to Bump-Up CDs: What it is and How it Works

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