Synchrony Bank CD Rate - 1 Year
Synchrony Bank's 1 Year CD pays 4.30% APY as of November 6, 2026, checked 17 hours ago. Since RateBrain began tracking it in 2013, this 1 Year CD has paid as much as 5.50% (Dec 2023) and as little as 0.50% (Mar 2021). It is currently above the median 1 Year CD rate we track (4.00% across 145 banks).
4.30% APY
up from 4.20% on Oct 27
- Last checked
- Nov 6 · 17 hours ago
- Minimum deposit
- $2,000
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See the full Synchrony Bank 1 Year CD rate history »
Synchrony Bank CD Rate - 1 Year CD - Rate History
Now 4.30% APY
- All-time high 5.50% (Dec 2023)
- Low 0.50% (Mar 2021)
- 1-year change +0.40
- 90 changes
- Tracked since Feb 2013
- Full rate history »
The gray line is the median 1 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 27, 2026 | 4.30% | +0.10 |
| October 6, 2026 | 4.20% | +0.10 |
| August 25, 2026 | 4.10% | +0.10 |
| July 31, 2026 | 4.00% | +0.30 |
| March 27, 2026 | 3.70% | −0.10 |
| December 22, 2025 | 3.80% | −0.10 |
| October 31, 2025 | 3.90% | −0.10 |
| June 27, 2025 | 4.00% | −0.15 |
| June 21, 2025 | 4.15% | +0.15 |
| November 28, 2024 | 4.00% | −0.10 |
| November 21, 2024 | 4.10% | −0.10 |
| October 21, 2024 | 4.20% | −0.20 |
| October 2, 2024 | 4.40% | −0.20 |
| September 10, 2024 | 4.60% | −0.10 |
| August 28, 2024 | 4.70% | −0.10 |
| April 5, 2024 | 4.80% | −0.10 |
| March 5, 2024 | 4.90% | −0.10 |
| January 28, 2024 | 5.00% | −0.30 |
| December 21, 2023 | 5.30% | −0.20 |
| December 19, 2023 | 5.50% | +0.20 |
Show all 90 changes
| Date | APY | Change |
|---|---|---|
| October 30, 2023 | 5.30% | +0.20 |
| August 1, 2023 | 5.10% | +0.30 |
| July 10, 2023 | 4.80% | +0.05 |
| April 27, 2023 | 4.75% | +0.25 |
| March 9, 2023 | 4.50% | +0.20 |
| December 14, 2022 | 4.30% | +0.15 |
| November 17, 2022 | 4.15% | +0.14 |
| November 3, 2022 | 4.01% | +0.40 |
| October 26, 2022 | 3.61% | +0.15 |
| October 11, 2022 | 3.46% | +0.31 |
| September 29, 2022 | 3.15% | +0.40 |
| August 30, 2022 | 2.75% | +0.15 |
| August 19, 2022 | 2.60% | +0.30 |
| July 28, 2022 | 2.30% | +0.30 |
| July 11, 2022 | 2.00% | +0.10 |
| June 27, 2022 | 1.90% | +0.40 |
| June 2, 2022 | 1.50% | +0.15 |
| May 26, 2022 | 1.35% | +0.05 |
| May 16, 2022 | 1.30% | +0.10 |
| May 9, 2022 | 1.20% | +0.20 |
| April 21, 2022 | 1.00% | +0.20 |
| March 10, 2022 | 0.80% | +0.20 |
| February 9, 2022 | 0.60% | +0.05 |
| October 19, 2021 | 0.55% | +0.05 |
| March 16, 2021 | 0.50% | −0.05 |
| February 13, 2021 | 0.55% | −0.05 |
| September 17, 2020 | 0.60% | −0.15 |
| July 21, 2020 | 0.75% | −0.15 |
| June 22, 2020 | 0.90% | −0.10 |
| May 24, 2020 | 1.00% | −0.35 |
| May 6, 2020 | 1.35% | −0.15 |
| March 21, 2020 | 1.50% | −0.30 |
| March 17, 2020 | 1.80% | −0.20 |
| January 14, 2020 | 2.00% | +0.01 |
| January 7, 2020 | 1.99% | −0.01 |
| November 14, 2019 | 2.00% | −0.10 |
| November 1, 2019 | 2.10% | −0.15 |
| September 26, 2019 | 2.25% | −0.10 |
| September 20, 2019 | 2.35% | −0.05 |
| August 29, 2019 | 2.40% | −0.05 |
| August 15, 2019 | 2.45% | −0.05 |
| July 17, 2019 | 2.50% | −0.05 |
| July 2, 2019 | 2.55% | −0.05 |
| June 11, 2019 | 2.60% | −0.10 |
| May 6, 2019 | 2.70% | −0.10 |
| February 8, 2019 | 2.80% | +0.05 |
| January 30, 2019 | 2.75% | −0.10 |
| January 22, 2019 | 2.85% | +0.10 |
| January 9, 2019 | 2.75% | +0.10 |
| December 9, 2018 | 2.65% | +0.15 |
| October 28, 2018 | 2.50% | +0.05 |
| July 31, 2018 | 2.45% | +0.05 |
| July 16, 2018 | 2.40% | +0.15 |
| May 31, 2018 | 2.25% | +0.10 |
| April 24, 2018 | 2.15% | +0.10 |
| March 29, 2018 | 2.05% | +0.10 |
| March 5, 2018 | 1.95% | −0.05 |
| January 11, 2018 | 2.00% | +0.35 |
| December 7, 2017 | 1.65% | +0.15 |
| October 2, 2017 | 1.50% | +0.10 |
| July 6, 2017 | 1.40% | +0.05 |
| March 29, 2017 | 1.35% | +0.10 |
| June 13, 2015 | 1.25% | +0.02 |
| April 15, 2015 | 1.23% | +0.03 |
| February 2, 2015 | 1.20% | +0.05 |
| January 6, 2015 | 1.15% | +0.05 |
| December 7, 2014 | 1.10% | +0.05 |
| July 20, 2014 | 1.05% | +0.10 |
| January 31, 2014 | 0.95% | +0.10 |
| February 28, 2013 | 0.85% | first tracked |
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ShareOther Synchrony Bank rates
- 3 Month CD0.25%
- 6 Month CD4.20%
- 9 Month CD4.50%
- 14 Month CD4.40%
- 15 Month CD4.50%
- 18 Month CD4.50%
- 2 Year CD4.60%
- 3 Year CD4.65%
- 4 Year CD4.65%
- 5 Year CD4.75%
- Savings3.75%
- Money Market Account2.00%
Other 1 Year CD rates
- USALLIANCE Financial5.00%
- State Bank of India4.89%
- EagleBank4.80%
- BTG Pactual US4.65%
- CFG Bank4.65%
- Merrick Bank4.65%
Common questions
What is the Synchrony Bank 1 Year CD rate today?
The Synchrony Bank 1 Year CD pays 4.30% APY as of November 6, 2026, checked 17 hours ago.
How does the Synchrony Bank 1 Year CD compare with other 1 Year CDs?
It pays 4.30% APY. The median across the 145 1 Year CD rates RateBrain tracks is 4.00%, so it is 0.30 percentage points above the median.
What has the Synchrony Bank 1 Year CD paid over time?
Since RateBrain began tracking it in 2013, it has paid as much as 5.50% (Dec 2023) and as little as 0.50% (Mar 2021).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.