Synchrony Bank 1 Year CD Rate History (2013–2026)
RateBrain has recorded 88 rate changes for Synchrony Bank's 1 Year CD since February 28, 2013. Its highest rate was 5.50% (Dec 2023) and its lowest 0.50% (Mar 2021). It pays 4.10% APY today, last changed on August 25, 2026. That is up 0.10 percentage points from a year ago.
Current Synchrony Bank 1 Year CD rate »Synchrony Bank rate history »1 Year CD rate history »
Rate history chart
Now 4.10% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.10% | 3.70% | 4.10% | 3 |
| 2025 | 4.15% | 3.80% | 3.80% | 4 |
| 2024 | 5.30% | 4.00% | 4.00% | 9 |
| 2023 | 5.50% | 4.30% | 5.30% | 7 |
| 2022 | 4.30% | 0.55% | 4.30% | 18 |
| 2021 | 0.60% | 0.50% | 0.55% | 3 |
| 2020 | 2.00% | 0.60% | 0.60% | 9 |
| 2019 | 2.85% | 2.00% | 2.00% | 14 |
| 2018 | 2.65% | 1.65% | 2.65% | 9 |
| 2017 | 1.65% | 1.25% | 1.65% | 4 |
| 2016 | 1.25% | 1.25% | 1.25% | 0 |
| 2015 | 1.25% | 1.10% | 1.25% | 4 |
| 2014 | 1.10% | 0.85% | 1.10% | 3 |
| 2013 | 0.85% | 0.85% | 0.85% | 1 |
All 88 rate changes
| Date | APY | Change |
|---|---|---|
| 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 |
| 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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