Source: https://www.synchrony.com/banking/products/ratesandterms
Read: 2026-10-22T07:54:05.000Z

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All Non-IRA Product Rates and Terms
Term Length | APY* | Interest Rate
3 Months | 0.25% | 0.25%
6 Months | 4.10% | 4.01%
9 Months | 4.15% | 4.06%
11 Months - No Penalty | 0.25% | 0.25%
12 Months | 4.20% | 4.11%
13 Months | 4.40% | 4.30%
14 Months | 4.30% | 4.21%
15 Months | 4.30% | 4.21%
16 Months | 4.30% | 4.21%
18 Months | 4.35% | 4.25%
19 Months | 4.35% | 4.25%
24 Months | 4.35% | 4.25%
24 Months - Bump Up | 3.00% | 2.95%
36 Months | 4.40% | 4.30%
48 Months | 4.40% | 4.30%
60 Months | 4.50% | 4.40%
Learn more about CDs
APY* | Interest Rate
3.55% | 3.48%
Learn more about HYS
APY* | Interest Rate
2.00% | 1.98%
Learn more about MMA
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*DISCLOSURES:
ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of 10/22/2026.
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.
NO-PENALTY CD: Early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed.
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