Wealthy PotSynchrony Bank CD Rates (2026)
Synchrony combines competitive CD rates with no minimum and a no-penalty option, a flexible, saver-friendly lineup. The unusual CD ATM card and $0 minimum make it especially accessible.
By Wealthy Pot · Last updated September 2026
Synchrony Bank CD rates by term
| Term | APY |
|---|---|
| 6-month | 4.10% |
| 1-year | 4.10% |
| 3-year | 4.30% |
| 5-year | 4.35% |
Pros
- No minimum deposit
- Offers an 11-month no-penalty CD
- A rare CD ATM card
- Competitive term rates
Cons
- No checking account
- A more basic app than full-service banks
Who Synchrony Bank CDs are for
Best for savers who want no minimum, the flexibility of a no-penalty CD, and easy access, without needing a linked checking account.
Rates, minimum & penalties
Synchrony Bank requires a $0 minimum deposit to open a CD. The early-withdrawal penalty is 90 days interest (≤12 mo); 180 days (>12–<48 mo); 365 days (≥48 mo). Synchrony Bank also offers a no-penalty CD: 11-month no-penalty CD. FDIC-insured (Synchrony Bank). CD APYs are fixed once you open but change for new CDs frequently, confirm the current rate on the official site.
The bottom line
Synchrony combines competitive CD rates with no minimum and a no-penalty option, a flexible, saver-friendly lineup. The unusual CD ATM card and $0 minimum make it especially accessible. Main drawback: no checking account; the current no-penalty cd rate isn’t published upfront.
See how Synchrony Bank stacks up in our best CD rates comparison, or compare liquid options in our high-yield savings guide.
We summarize each bank's published CD terms, not user reviews. CD APYs are fixed for the term but reprice for new CDs often; figures are re-checked against each bank's official page. CDs are FDIC-insured to legal limits. Some outbound links may be affiliate links — that never affects which banks we include or how we rate them. Nothing here is financial advice.