Rates updated · 70 banks tracked
Synchrony CD rates: 4.35% APY best term
Synchrony’s best tracked CD pays 4.35% across 7 terms — ranking in the top 10th percentile of the 70 banks SwitchWize tracks CD rates for, where the best available rate is 4.47%. (Updated August 27, 2026.)
Synchrony CD rates by term
| Term | APY |
|---|---|
| 3 months | 0.25% |
| 6 months | 4.10% |
| 1 year | 4.10% |
| 18 months | 4.25% |
| 2 years | 4.25% |
| 3 years | 4.30% |
| 5 years | 4.35%Best |
Is Synchrony a good CD rate? Not really. At 4.35% its best CD trails the 4.47% best available tracked rate, leaving about $29 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.35%, $25,000 earns $1,087/yr here versus $1,117/yr at the field leader — a $29/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is Synchrony's best CD rate?▾
Synchrony's best tracked CD rate is 4.35% APY as of August 27, 2026, across 7 terms SwitchWize tracks for this bank.
Is Synchrony's CD rate good?▾
Synchrony's best CD rate ranks in the top 10th percentile of tracked banks. The best available tracked rate is 4.47% and the FDIC national savings average is 0.38%.
Which banks pay more than Synchrony on CDs?▾
Higher-paying tracked options include lendingclub, sallie mae, popular direct. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.