Rate checked November 1, 2026
Synchrony 6-month CD rate: 4.20% APY
Synchrony's 6-month CD pays 4.20% APY. That ranks 10th of the 58 banks we track for this term. The best is 4.40% at LendingClub.
What it earns on $25,000
At 4.20%, $25,000 earns about $1,050 in the first year.
The best 6-month CD earns about $1,100 on the same money. Choosing Synchrony instead gives up about $50 a year.
The middle 6-month rate across 58 banks is 3.68%. Figures are first-year interest at the quoted APY, before taxes.
Banks that pay more for a 6-month CD
- LendingClub4.40%
- Merrick Bank4.40%
- Quorum Federal Credit Union4.40%
Synchrony CD rates for other terms
Questions
What is Synchrony's 6-month CD rate?
Synchrony pays 4.20% APY on its 6-month CD, based on its own rate page when we last checked. That earns about $1,050 a year on $25,000.
Is Synchrony's 6-month CD rate good?
It ranks 10th of the 58 banks we track for this term. The best rate for this term is 4.40% at LendingClub, and the middle rate is 3.68%. Choosing Synchrony over the best costs about $50 a year on $25,000.
Which banks pay more than Synchrony on a 6-month CD?
LendingClub (4.40%), Merrick Bank (4.40%), Quorum Federal Credit Union (4.40%).
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.