Rate checked November 1, 2026
Synchrony 12-month CD rate: 4.30% APY
Synchrony's 12-month CD pays 4.30% APY. That ranks 21st of the 67 banks we track for this term. The best is 4.65% at CFG Bank.
What it earns on $25,000
At 4.30%, $25,000 earns about $1,075 in the first year.
The best 12-month CD earns about $1,163 on the same money. Choosing Synchrony instead gives up about $88 a year.
The middle 12-month rate across 67 banks is 4.00%. Figures are first-year interest at the quoted APY, before taxes.
Banks that pay more for a 12-month CD
- CFG Bank4.65%
- Merrick Bank4.65%
- Popular Direct4.60%
Synchrony CD rates for other terms
Questions
What is Synchrony's 12-month CD rate?
Synchrony pays 4.30% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $1,075 a year on $25,000.
Is Synchrony's 12-month CD rate good?
It ranks 21st of the 67 banks we track for this term. The best rate for this term is 4.65% at CFG Bank, and the middle rate is 4.00%. Choosing Synchrony over the best costs about $88 a year on $25,000.
Which banks pay more than Synchrony on a 12-month CD?
CFG Bank (4.65%), Merrick Bank (4.65%), Popular Direct (4.60%).
General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.