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IRA Products Rates and Terms

*Disclosures:

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

APYs are subject to change at any time without notice. Offers apply to personal accounts only. Charges for specific services may reduce earnings. For IRA Money Market accounts, the rate may change after the account is opened. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your IRA CD rolls over, you will earn the offered rate of interest in effect at that time. Synchrony Bank does not provide tax advice. Please consult your tax advisor for actual advantages and any potential tax implications before establishing or making contributions to an IRA.

BUMP-UP CD: A rate increase may be requested once during the term of the CD should the rate we offer for the Bump-Up CD rise.

NO-PENALTY CD: Early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed.