Synchrony Bank CD Rates 2025
If you want to grow your savings with smart investments but without the risk and hassle that may accompany options like stocks and EFTs, put that money to use in a certificate of deposit (CD). Synchrony Bank is a highly competitive institution when you want to start CD laddering; its APYs are high, its term lengths are plenteous, and it doesn’t impose a minimum opening deposit. Here’s what you need to know about Synchrony CD rates.
Rates are current as of Nov. 7, 2025 and are subject to change.
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Best CD Rates for December 12, 2025 ZIP Code Deposit Amount $Min. Term Length 6 months
1 months 6 months 1 year 18 months 2 years 3 years Max. Term Length 3 years
6 months 1 year 18 months 2 years 3 years 4 years 5 years 6 years FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...
Synchrony Bank CD rates and products Synchrony offers three CD types: standard, bump-up, and no-penalty. We’ll explain each of these in a minute. Considering all CD types, you can choose from an impressive 16 term lengths at Synchrony—from three months to five years.
Each of these account types also comes in the form of IRA CDs with identical term lengths. However, the APYs are slightly different, and often less generous.
Standard CDs Synchrony offers an abnormally wide selection of standard CD terms. Because of this, you’ll find terms that are less common among other financial institutions. This makes CD laddering an interesting prospect, as you can create “rungs” that are much closer together than you might construct elsewhere—giving you more frequent access to your money.
Synchrony also does not enforce a minimum account balance, meaning you can open a CD with as little money as you want (also handy for CD laddering).
Synchrony standard CD features Minimum opening deposit $0 Early withdrawal penalty – Terms of 12 months or less: 90 days’ simple interest – Terms of more than 12 months but less than 48 months: 180 days’ simple interest – Terms of 48+ months: 365 days’ simple interest Partial withdrawals permitted For a fee (unless withdrawing interest earned) Additional deposits permitted No Automatic renewal Yes Renewal grace period 10 days
Synchrony Bank standard CD rates Term length APY 3 months 0.25% 6 months 3.75% 9 months 4.10% 12 months 3.90% 13 months 3.85% 14 months 4.00% 15 months 3.85% 16 months 3.85% 18 months 3.70% 19 months 3.70% 24 months 3.50% 36 months 3.75% 48 months 3.50% 60 months 4.00%
3 months APY 0.25% 6 months APY 3.75% 9 months APY 4.10% 12 months APY 3.90% 13 months APY 3.85% 14 months APY 4.00% 15 months APY 3.85% 16 months APY 3.85% 18 months APY 3.70% 19 months APY 3.70% 24 months APY 3.50% 36 months APY 3.75% 48 months APY 3.50% 60 months APY 4.00%
Bank details checked Nov. 7, 2025.
No-penalty CDs No-penalty CDs allow you to withdraw your money before maturity without penalty. You must withdraw the entire amount, effectively closing your account.
Synchrony offers an 11-month no-penalty CD. The tradeoff is a far lower rate compared to a standard CD. If you’re concerned that you may need to withdraw a portion of your investment before your account terms, you’ll be far better creating a CD ladder with a series of standard CDs, as Synchrony’s no-penalty option is not competitive.
Synchrony Bank no-penalty CD rates Term length APY 11 months 0.25%
Bank details checked Nov. 7, 2025.
Bump-up CDs Bump-up CDs give you the benefit of locking-in an interest rate while reserving the right to increase the APY if rates rise before your account matures. Synchrony offers a 24-month bump-up CD at a fair (but not jaw-dropping) APY.
Synchrony Bank bump-up CD rates Term length APY 24 months 2.80%
Bank details checked Nov. 7, 2025.
Synchrony Bank IRA CDs Synchrony gives you the option to open the same types of CD accounts—standard, no-penalty, and bump-up—but with the tax benefits of an IRA. Those looking for a stable investment to add to the mix for their retirement savings may wish to consider an IRA CD.
You can either open a new IRA account with Synchrony and deposit new money into a CD or transfer funds from an existing IRA. Just note that when you deposit new money into an IRA CD, you must abide by the IRS annual contribution limits, which are $7,000 for those under age 59½ and $8,000 for everyone else as of this writing.
IRA CDs at Synchrony have many of the same conditions, such as no minimum account balance and early withdrawal penalties. But for several term lengths, you’ll earn less interest than standard CDs.
Synchrony IRA CD features Minimum opening deposit $0 Early withdrawal penalty – Terms of 12 months or less: 90 days’ simple interest – Terms of more than 12 months but less than 48 months: 180 days’ simple interest – Terms of 48+ months: 365 days’ simple interest Partial withdrawals permitted For a fee (unless withdrawing interest earned) Additional deposits permitted No Automatic renewal Yes Renewal grace period 10 days
Synchrony Bank IRA CD rates Term length APY 3 months 0.25% 6 months 3.50% 9 months 3.75% 12 months 3.90% 13 months 3.60% 14 months 3.60% 15 months 3.60% 16 months 3.60% 18 months 3.70% 19 months 3.50% 24 months 3.50% 36 months 3.75% 48 months 3.50% 60 months 4.00%
3 months APY 0.25% 6 months APY 3.50% 9 months APY 3.75% 12 months APY 3.90% 13 months APY 3.60% 14 months APY 3.60% 15 months APY 3.60% 16 months APY 3.60% 18 months APY 3.70% 19 months APY 3.50% 24 months APY 3.50% 36 months APY 3.75% 48 months APY 3.50% 60 months APY 4.00%
Bank details checked Nov. 7, 2025.
Synchrony Bank no-penalty IRA CD rates Term length APY 11 months 0.25%
Bank details checked Nov. 7, 2025
Synchrony Bank bump-up IRA CD rates Term length APY 24 months 2.80%
Bank details checked Nov. 7, 2025.
Pro tip Not seeing an IRA CD here that’s right for you? Check out our list of best IRA CDs for alternatives.
SponsoredAdvertiser Disclosure Advertiser Disclosure:Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution 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.
Quontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on Quontic Bank's website3.75%6 mos$500View Details
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} #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-m-hide, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-m-hide, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-m-hide { display: none !important; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .seeMoreTerms, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .seeMoreTerms, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .seeMoreTerms { max-width: 400px; margin-left: auto; margin-right: auto; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .logo-image-wrapper, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .logo-image-wrapper, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .logo-image-wrapper { max-width: 200px; min-height: unset; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-row-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-row-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-row-container { flex: 0 0 100%; order: 2; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-row-sub-container .sh-title-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-row-sub-container .sh-title-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-row-sub-container .sh-title-container { display: flex; margin-bottom: 15px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop #sh-header-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop #sh-header-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop #sh-header-container { padding: 0 20px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-d-hide, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-d-hide, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-d-hide { display: block !important; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-listing-content-wrapper, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-listing-content-wrapper, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-listing-content-wrapper { display: block; padding: 20px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-promo .sh-promo-text, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-promo .sh-promo-text, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-promo .sh-promo-text { font: normal normal normal 16px/25px Roboto; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-btn__text { width: 100%; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-fdic-insured, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-fdic-insured, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .product-details-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .product-details-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .product-details-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .product-details-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-title, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-title, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-promo, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-promo, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-promo-offer-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-promo-offer-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-title-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-title-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-title-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-title-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-row2-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-row2-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-fdic-dis-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-fdic-dis-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-cta-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-cta-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-cta-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-cta-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .mobile-bottom-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .mobile-bottom-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-title-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-title-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #wKMddPmJBRYLRxjf.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #wKMddPmJBRYLRxjf.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #wKMddPmJBRYLRxjf.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #wKMddPmJBRYLRxjf.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #wKMddPmJBRYLRxjf.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #wKMddPmJBRYLRxjf.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #wKMddPmJBRYLRxjf.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #wKMddPmJBRYLRxjf .sh-row-container.sh-apy-value { height: 24px; } #wKMddPmJBRYLRxjf .sh-title-container { height: 45px; } #wKMddPmJBRYLRxjf .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #wKMddPmJBRYLRxjf .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #wKMddPmJBRYLRxjf .sh-first-product .sh-title-container { height: 72px; } #wKMddPmJBRYLRxjf .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #wKMddPmJBRYLRxjf .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #wKMddPmJBRYLRxjf .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #wKMddPmJBRYLRxjf .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #wKMddPmJBRYLRxjf .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #wKMddPmJBRYLRxjf .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #wKMddPmJBRYLRxjf .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #wKMddPmJBRYLRxjf.loadingMessage .sh-loading-msg { display: block; } #wKMddPmJBRYLRxjf.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #wKMddPmJBRYLRxjf .sh-loading-msg { font-size: 18px; } } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-container { align-items: center; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #wKMddPmJBRYLRxjf .sh-row-product-title.sh-bank-name { display: none; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #wKMddPmJBRYLRxjf.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #wKMddPmJBRYLRxjf.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop .sh-first-product .sh-row2-container, #wKMddPmJBRYLRxjf.sh-box650.device-desktop .sh-first-product .sh-row2-container, #wKMddPmJBRYLRxjf.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #wKMddPmJBRYLRxjf .sh-gb-banner.sh-promo { display: none !important; } #wKMddPmJBRYLRxjf.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #wKMddPmJBRYLRxjf.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #wKMddPmJBRYLRxjf.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #wKMddPmJBRYLRxjf.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #wKMddPmJBRYLRxjf.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #wKMddPmJBRYLRxjf.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }
Compare Synchrony Bank to competitors Synchrony Bank CD rates are no slouch. But they’re not always the absolute best you’ll find on the market. Here’s a look at how Synchrony compares against a couple fierce competitors.
Synchrony Bank
Discover
Northern Bank Direct 6 months 6 months 6 months 3.75% 3.50% 4.00% 9 months 9 months 9 months 4.10% 3.50% 3.75% 12 months 12 months 12 months 3.90% 4.05% 3.25% 18 months 18 months 18 months 3.70% 3.70% 3.25% 24 months 24 months 24 months 3.50% 3.50% 3.25% 60 months 60 months 60 months 4.00% 3.50% 3.25% Learn more Learn more Learn more View offer at Bankrate View offer at MoneyLion View offer at Northern Bank Direct
Bank details checked Nov. 7, 2025.
Learn more about Synchrony Bank You may know Synchrony Bank as the issuer of popular store credit cards with merchants like Amazon, Verizon, Sam’s Club, etc. It’s much more than that; it offers several banking products, from high-yield savings accounts to money market accounts.
Still, Synchrony Bank isn’t a full-service bank. You won’t find checking account options, auto loans, mortgages, etc. It’s also fully digital, so it’s got no physical branches. If you’d prefer to keep all your banking (including CDs) at the same financial institution, Synchrony won’t meet those needs.
Check Out Our Daily Rates Reports
Discover the highest high-yield savings rates, up to 5% for December 11, 2025. Discover the highest CD rates, up to 4.18% for December 11, 2025. Discover the current mortgage rates for December 11, 2025. Discover current refi mortgage rates report for December 11, 2025. Discover current ARM mortgage rates report for December 11, 2025. Discover the current price of gold for December 11, 2025. Discover the current price of silver for December 11, 2025. Frequently asked questions Does Synchrony offer promotional or special CD rates? Synchrony does not advertise its CDs as “promotional” or “special.” That said, it does feature its highest-earning CDs prominently on its site, namely, its 13, 15, 19, and 60-month options as of this writing.
What is the minimum deposit required for a Synchrony CD? There is no minimum deposit required to open a Synchrony CD.
Can you withdraw interest from a Synchrony Bank CD before maturity? You can withdraw interest from a Synchrony CD before maturity without penalty.
What are the penalties for early CD withdrawal at Synchrony Bank? If you decide to withdraw more than earned interest from a Synchrony CD, you’ll pay either 90, 180, or 365 days’ simple interest, depending on the term length. If you haven’t yet earned enough interest to cover the penalty, you’ll lose a portion of your principal.
Are Synchrony Bank CDs FDIC insured? Synchrony CDs are FDIC insured up to the maximum $250,000.
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Synchrony Bank CD Rates 2025