Available nationwide, you can earn a competitive rate when you open up a new Synchrony Bank Certificate of Deposit (CD) Account! With Synchrony Bank, you’re choosing from their award-winning CDs earning up to 4.40% APY.
Update 3/18/25: There is currently a 13 month term offering a competitive 4.35% APY.
Synchrony Bank Certificate of Deposit Account Summary
Open up a new Synchrony Bank Certificate of Deposit Account to earn a competitive return rate on your funds! Available nationwide.
- Availability: Nationwide
- Expiration: None
- Credit Inquiry: Soft Pull
- Credit Funding: Unknown
- Opening Deposit Requirement: $2,000 Min
- Direct Deposit Requirement: None
- Monthly Service Fee: None
- Early Termination Fees: A penalty will be imposed if you make a withdrawal of principal prior to the maturity date.
- Auto Renewal: Unknown, but more than likely.
CD Account Rates
| Term | APY Rate |
| 3-Month | 0.25% |
| 6-Month | 3.70% |
| 9-Month | 4.00% |
| 11-Month No-Penalty | 0.25% |
| 12-Month | 4.00% |
| 13-Month | 4.35% |
| 18-Month | 3.80% |
| 24-Month | 3.50% |
| 24-Month Bump Up | 3.00% |
| 36-Month | 4.00% |
| 48-month | 3.50% |
| 60-Month | 4.15% |
Account Requirements
Earn a competitive APY Rate on a new CD Account with Synchrony Bank today:
- Visit Synchrony Bank online and open a new Synchrony Bank Certificate of Deposit Account.
- Enter your info: Provide your first and last name, address, phone, email and social security number
- Select your term: select a term of your choice.
- Fund your account: Make the minimum opening deposit.
- Verify Information: Verify information and electronically sign your application.
- Confirmation Email: They’ll send a confirmation email.
Synchrony Bank Contact Information
Need Assistance? Contact a representative by calling 1-866-226-5638.
Avoid Monthly Fees
There are no monthly fees involved with this CD Account.
Author’s Verdict
This offer is above average, so if you are interested, I definitely suggest you apply as soon as you can! This Synchrony Bank Certificate of Deposit Account will offer you a competitive rate on your funds! Secure this 18-Month rate today – after the term ends, if you choose to roll over your CD, you will earn the base rate of interest in effect at that time. If you currently have a savings account at your local bank, compare the rates!
Please let us know if you find out any information regarding credit card funding or inquiry info. Do you know of a better CD rate elsewhere? If so, let us know! Let us know about your thoughts and experience with Discover Bank in the comment section below. Be sure to check back on BankDealGuy for more CD Rates!
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