Competitive APY across terms — a strong long-term CD pick.
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ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Savers locking in 2-year or 5-year CDs who want a competitive long-term rate.
Synchrony Bank's 1-year CD was offering approximately 4.80% APY as of June 2026, with competitive rates across 3- to 60-month terms. There are no monthly maintenance fees. Verify the current rate at synchronybank.com — APYs are fixed at funding for the term.
Synchrony Bank CD — Competitive APY across terms — a strong long-term CD pick. Best for: Savers locking in 2-year or 5-year CDs who want a competitive long-term rate.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Synchrony Bank offers CDs ranging from 3 months to 60 months (5 years), with multiple term options in between. Synchrony also offers a Bump-Up CD that allows you to increase your rate once during the term if Synchrony raises its CD rates. Verify current term availability and APY at synchronybank.com. Source: Synchrony Bank official disclosure at synchronybank.com; FDIC-insured.
Synchrony's Bump-Up CD allows you to request a one-time rate increase during the CD term if Synchrony raises its published CD rate for that term. This is useful if you lock in today's rate and rates rise before maturity — you can capture the higher rate for the remaining term. The starting APY on a Bump-Up CD is typically slightly lower than a standard CD of the same term in exchange for this optionality. Verify current Bump-Up CD terms and APY at synchronybank.com.
Synchrony Bank charges an early-withdrawal penalty if you close a standard CD before maturity. The penalty is expressed as a number of days of simple interest and varies by term length — shorter CDs carry smaller penalties; longer-term CDs carry larger ones. Synchrony publishes its penalty schedule in the CD terms at synchronybank.com. If you need liquidity flexibility, compare the Bump-Up CD or consider a no-penalty option at another institution.
No. ClearValue Lending is not a bank, CD issuer, lender, or financial advisor. This review presents publicly available editorial information about Synchrony Bank CDs. CDs are issued and operated by Synchrony Bank. APYs, terms, fees, and eligibility are determined solely by Synchrony Bank and may change — verify current terms at synchronybank.com before opening.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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