APY Ledger

Synchrony Bank CD Rates — October 2026

Also known as Synchrony.

As of October 22, 2026, Synchrony Bank's highest CD rate is 4.50% APY on a 60-month CD. That is 3.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.25% to 4.50% APY.

Last verified from www.synchrony.com · FDIC-insured bank · Draper, UT

Tracking began .

Best APY4.50%60 months
vs. Treasury−0.51%same-term Treasury 5.01%
vs. national average3.2×FDIC national average 1.41%
After inflation0.76%CPI 3.7% year over year
$10,000 earns$2,462over 60 months, before tax

Synchrony Bank CD rates

Available online to U.S. residents in every state. Rates below are personal non-IRA CD rates.

Synchrony Bank CD rates
TermProductMinimumAPYvs. Treasury
3 months CD Not stated 0.25%Verified October 22, 2026 −4.04%
6 months CD Not stated 4.10%Verified October 22, 2026 −0.30%
9 months CD Not stated 4.15%Verified October 22, 2026 −0.33%
11 months No Penalty CD Not stated 0.25%Verified October 22, 2026 −4.29%
12 months CD Not stated 4.20%Verified October 22, 2026 −0.37%
13 months CD Not stated 4.40%Verified October 22, 2026 −0.20%
14 months CD Not stated 4.30%Verified October 22, 2026 −0.32%
15 months CD Not stated 4.30%Verified October 22, 2026 −0.35%
16 months CD Not stated 4.30%Verified October 22, 2026 −0.37%
18 months CD Not stated 4.35%Verified October 22, 2026 −0.37%
19 months CD Not stated 4.35%Verified October 22, 2026 −0.39%
24 months CD Not stated 4.35%Verified October 22, 2026 −0.52%
24 months Bump-Up CD Not stated 3.00%Verified October 22, 2026 −1.87%
36 months CD Not stated 4.40%Verified October 22, 2026 −0.55%
48 months CD Not stated 4.40%Verified October 22, 2026 −0.58%
60 months CD Not stated 4.50%Verified October 22, 2026 −0.51%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Synchrony Bank's best CD rates by term?

Synchrony Bank's best rate is 4.50% APY on 60 months, verified October 22, 2026.

  1. 3 mo0.25%
  2. 6 mo4.10%
  3. 9 mo4.15%
  4. 11 mo0.25%
  5. 12 mo4.20%
  6. 13 mo4.40%
  7. 14 mo4.30%
  8. 15 mo4.30%
  9. 16 mo4.30%
  10. 18 mo4.35%
  11. 19 mo4.35%
  12. 24 mo4.35%
  13. 36 mo4.40%
  14. 48 mo4.40%
  15. 60 mo4.50%

Calculate earnings at 4.50% for 60 months

How Synchrony Bank compares

Rate changes

No changes since we started tracking Synchrony Bank on October 22, 2026.

About Synchrony Bank

Legal name
Synchrony Bank
Regulator ID
FDIC 27314
Headquarters
Draper, UT
Available in
All states (online)
Also known as
Synchrony
Website
www.synchrony.com

Source: rates read from https://www.synchrony.com/banking/products/ratesandterms. See the page text we read.

Frequently asked questions

What is the highest CD rate at Synchrony Bank?

4.50% APY on a 60-month CD, as of October 22, 2026.

How does Synchrony Bank's best CD rate compare with Treasury yields?

4.50% APY is −0.51% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.50% a good CD rate?

It is 3.2 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Synchrony Bank CDs insured?

Synchrony Bank is an FDIC-insured bank (FDIC 27314). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Synchrony Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Synchrony Bank's website and may change at any time. Confirm terms, minimums and eligibility with Synchrony Bank before opening an account. This page is not financial advice.