Synchrony Bank offers CDs from 3 to 60 months with competitive APYs, a 24-month bump-up CD, and an 11-month no-penalty CD. No minimum deposit is required. All CDs are FDIC insured.
Synchrony Bank CD Rates 2026
| Term | Type | APY (approx.) | Min. Deposit |
|---|---|---|---|
| 3 months | Standard | ~4.50% | $0 |
| 6 months | Standard | ~4.60% | $0 |
| 11 months | No-penalty | ~4.30% | $0 |
| 12 months | Standard | ~4.50% | $0 |
| 24 months | Bump-up | ~4.00% | $0 |
| 36 months | Standard | ~3.90% | $0 |
| 60 months | Standard | ~3.80% | $0 |
Rates are approximate for 2026 and change frequently. Visit synchronybank.com for current rates.
No-Penalty CD (11-Month)
Synchrony’s 11-month no-penalty CD lets you withdraw the full balance — principal plus accrued interest — after the first 6 days, with no penalty. This makes it a hybrid between a savings account and a CD:
- Lock in today’s rate for 11 months
- Withdraw early if rates rise or you need the funds
- No penalty (after day 6)
Bump-Up CD (24-Month)
Synchrony’s 24-month bump-up CD allows one rate increase during the term if Synchrony raises the rate on that product. This protects against rising rate environments during your term.
Early Withdrawal Penalties (Standard CDs)
| Term | Penalty |
|---|---|
| Under 12 months | 90 days of interest |
| 12–47 months | 180 days of interest |
| 48+ months | 365 days of interest |
Related Guides
- Synchrony Bank savings rate 2026 — ~4.50% HYSA APY
- Synchrony Bank minimum balance 2026 — $0 min deposit for CDs
- Synchrony Bank vs Marcus 2026 — CD comparison
- Synchrony Bank customer service 2026 — 1-866-226-5638
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