Rate checked November 1, 2026

Synchrony 5-year CD rate: 4.75% APY

Synchrony's 5-year CD pays 4.75% APY. That ranks 6th of the 62 banks we track for this term. The best is 5.00% at Popular Direct.

What it earns on $25,000

At 4.75%, $25,000 earns about $1,188 in the first year.

The best 5-year CD earns about $1,250 on the same money. Choosing Synchrony instead gives up about $62 a year.

The middle 5-year rate across 62 banks is 3.00%. Figures are first-year interest at the quoted APY, before taxes.

Banks that pay more for a 5-year CD

Synchrony CD rates for other terms

3-month0.25%
6-month4.20%
12-month4.30%
18-month4.50%
2-year4.60%
3-year4.65%

Questions

What is Synchrony's 5-year CD rate?

Synchrony pays 4.75% APY on its 5-year CD, based on its own rate page when we last checked. That earns about $1,188 a year on $25,000.

Is Synchrony's 5-year CD rate good?

It ranks 6th of the 62 banks we track for this term. The best rate for this term is 5.00% at Popular Direct, and the middle rate is 3.00%. Choosing Synchrony over the best costs about $62 a year on $25,000.

Which banks pay more than Synchrony on a 5-year CD?

Popular Direct (5.00%), Quorum Federal Credit Union (5.00%), Sallie Mae Bank (5.00%).

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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.