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Save more, do more with a great CD rate.
9 Months
% APY*
No minimum balance
START SAVING NOW
Bump-Up CD 24 Months
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.
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Bump-Up CD
Earn with the confidence to boost your rate once during the CD term.
Unsure about locking in a rate for the entire term of a CD today? With our Bump-Up CD option, if the rate we offer for this CD term increased you have the power of choice to bump up your APY and interest rate once during the term and enjoy a higher rate, effective through the end of your CD's current term before it auto-renews. Has building your savings ever been smarter or easier?
With our Bump-Up CD option, if the rate we offer for this CD increases you have the power of choice to bump up your APY and interest rate once during the term and enjoy a higher rate, effective through the end of your CD’s current term before it auto-renews.
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.
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CD
Lock in higher rates that reward your commitment to saving.
Want to lock in a competitive rate and let your money steadily grow? Then a CD may be the perfect choice for you. Choose a shorter-term CD for earlier access or a longer-term CD to reward your commitment to saving.
No-Penalty CD 11 Months
No minimum balance
Flexible and steady savings.
No early withdrawal penalty if youneed to access to your money*. Your commitment to save offers you stability with our No-Penalty CD flexibility.
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No-Penalty CD
Flexible and steady savings to help your funds grow, grow, grow.
It’s the oldest rule you know about a CD—that you’re locking in a rate in exchange for agreeing not to withdraw your funds without a penalty. But with a No-Penalty CD, we’ve flipped the script: no penalty for an early withdrawal that gives you the flexibility to access all your funds on demand. Really? Really.
Our No-Penalty CD offers you an 11-month term and a competitive fixed rate without a minimum required balance to open—and you’ll be able to withdraw the full amount of all your funds in the account any time after the first 6 days following the funding of the account. It’s a brand-new way to save smarter with Synchrony Bank.
Choose a great rate. Make it count.
Explore Synchrony Bank CD rates and terms.
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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.
READ FAQSCONTACT US
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.
READ FAQSCONTACT US
High Yield Savings (HYS)
APY*
No minimum balance
EXPLORE HIGH YIELD SAVINGSMoney 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.
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Be in the know about making your money grow
SAVING & SPENDING10 minutes
What Is a Certificate of Deposit (CD) and How Does It Work?
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