Rate checked November 8, 2026 (today)
Synchrony 15-month CD rate: 4.50% APY
Synchrony's 15-month CD pays 4.50% APY. That ranks 3rd of the 5 banks we track for this term. The best is 4.65% at Sallie Mae Bank.
- APY
- 4.50%
- Last change
- None yet
- Tracked since Nov 7, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.50%, $25,000 earns about $1,125 in the first year.
The best 15-month CD earns about $1,163 on the same money. Choosing Synchrony instead gives up about $38 a year.
The middle 15-month rate across 5 banks is 4.50%. Figures are first-year interest at the quoted APY, before taxes.
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Synchrony 15-month CD rate history
We have tracked this rate since November 7, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 7, 2026 | 4.50% | First tracked |
Banks that pay more for a 15-month CD
- Sallie Mae Bank4.65%
- Rising Bank4.51%
Synchrony CD rates for other terms
Other Synchrony rates
Questions
What is Synchrony's 15-month CD rate?
Synchrony pays 4.50% APY on its 15-month CD, based on its own rate page when we last checked. That earns about $1,125 a year on $25,000.
Is Synchrony's 15-month CD rate good?
It ranks 3rd of the 5 banks we track for this term. The best rate for this term is 4.65% at Sallie Mae Bank, and the middle rate is 4.50%. Choosing Synchrony over the best costs about $38 a year on $25,000.
Which banks pay more than Synchrony on a 15-month CD?
Sallie Mae Bank (4.65%), Rising Bank (4.51%).
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