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Certificate of Deposit (CD)

Save more, do more with a great CD rate.

13 Months

%

APY*

No minimum deposit

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24-month term

Bump-up CD

%

APY*

No minimum balance

Earn with confidence.

A great way to start saving. One time flexibility to request an increase should the rate we offer for this product rise.

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Certificate of Deposit

UP
TO

%

APY*

No minimum balance

Lock in for higher rates.

Better rates reward your commitment to saving. Easy to track your earnings online.

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11-month term

No-penalty CD

%

APY*

No minimum balance

Flexible and steady savings.

No early withdrawal penalty if you need to access your money*. Your commitment to save offers you stability with our No-Penalty CD flexibility.

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Choose a great rate. Make it count.

Explore Synchrony Bank CD rates and terms.

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Choose a great rate. Make it count.

Explore Synchrony Bank IRA CD rates and terms.

View All IRA Rates

Source: Curinos LLC. curinos.com. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. See disclosures below for more information.

Certificate of Deposit

How it works

Let’s say you want to earn as much interest as you can, but you’re not quite sure when you’ll need your cash. A CD account is a great option for you.

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Looking for other options that earn interest? We’ve got them.

%

APY*

High Yield Savings

No minimum balance

%

APY*

Money Market Accounts

No minimum balance

FAQs

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Is there an early withdrawal penalty for CDs?

Penalty Amounts
Terms of 12 months or less	90 days of simple interest at the current rate
Terms of more than 12 months but less than 48 months	180 days of simple interest at the current rate
Terms of 48 months or more	365 days of simple interest at the current rate
*Exceptions:* For information on exceptions, please click here.

We assess an early withdrawal penalty if you withdraw funds from the principal balance prior to the maturity date. Certain exceptions may apply.

If you are interested in having more flexible access to your funds, you can consider a CD Ladder strategy or the No-Penalty CD.

Can I withdraw my interest from a CD?

Can I make additional deposits to my CD?

Are Synchrony Bank deposit accounts FDIC insured

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Be in the know about making your money grow

*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 non-IRA accounts only. Charges for specific services may reduce earnings. For Money Market and High Yield Savings 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 CD rolls over, you will earn the offered rate of interest for your CD type in effect at that time. The maximum APY shown for CDs is for a . See all non-IRA CD rates and terms offered here.

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.

NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC as of 12/02/2024. CD Rates: Average APYs are based on certificate of deposit accounts of $25,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.

FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.