Synchrony Bank CD Rate - 2 Year
Synchrony Bank's 2 Year CD pays 4.60% APY as of November 6, 2026, checked 17 hours ago. Since RateBrain began tracking it in 2013, this 2 Year CD has paid as much as 4.60% (Oct 2026) and as little as 0.60% (Nov 2020). It is currently above the median 2 Year CD rate we track (3.66% across 127 banks).
4.60% APY
up from 4.35% on Oct 27
- Last checked
- Nov 6 · 17 hours ago
- Minimum deposit
- $2,000
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See the full Synchrony Bank 2 Year CD rate history »
Synchrony Bank CD Rate - 2 Year CD - Rate History
Now 4.60% APY
- All-time high 4.60% (Oct 2026)
- Low 0.60% (Nov 2020)
- 1-year change +1.10
- 80 changes
- Tracked since Feb 2013
- Full rate history »
The gray line is the median 2 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 27, 2026 | 4.60% | +0.25 |
| October 6, 2026 | 4.35% | +2.35 |
| September 22, 2026 | 2.00% | −2.10 |
| September 16, 2026 | 4.10% | −0.15 |
| August 26, 2026 | 4.25% | +0.75 |
| November 26, 2024 | 3.50% | −0.25 |
| November 21, 2024 | 3.75% | −0.15 |
| October 2, 2024 | 3.90% | −0.10 |
| August 30, 2024 | 4.00% | −0.20 |
| April 15, 2024 | 4.20% | +0.60 |
| March 18, 2024 | 3.60% | −0.60 |
| March 5, 2024 | 4.20% | +0.30 |
| February 1, 2024 | 3.90% | −0.50 |
| August 24, 2023 | 4.40% | +0.05 |
| August 1, 2023 | 4.35% | +0.05 |
| November 17, 2022 | 4.30% | +0.04 |
| November 11, 2022 | 4.26% | +0.30 |
| October 26, 2022 | 3.96% | +0.25 |
| October 11, 2022 | 3.71% | +0.31 |
| September 28, 2022 | 3.40% | +0.40 |
Show all 80 changes
| Date | APY | Change |
|---|---|---|
| September 4, 2022 | 3.00% | +0.50 |
| August 17, 2022 | 2.50% | −0.10 |
| July 28, 2022 | 2.60% | +0.20 |
| July 11, 2022 | 2.40% | +0.15 |
| June 27, 2022 | 2.25% | +0.35 |
| June 1, 2022 | 1.90% | +0.50 |
| May 29, 2022 | 1.40% | −0.50 |
| May 26, 2022 | 1.90% | +0.10 |
| May 16, 2022 | 1.80% | +0.15 |
| May 9, 2022 | 1.65% | +0.05 |
| April 21, 2022 | 1.60% | +0.50 |
| April 5, 2022 | 1.10% | +0.40 |
| February 9, 2022 | 0.70% | +0.05 |
| October 13, 2021 | 0.65% | +0.05 |
| February 11, 2021 | 0.60% | −0.05 |
| January 12, 2021 | 0.65% | +0.05 |
| January 2, 2021 | 0.60% | −0.05 |
| December 21, 2020 | 0.65% | +0.05 |
| November 30, 2020 | 0.60% | −0.05 |
| October 28, 2020 | 0.65% | −0.05 |
| September 15, 2020 | 0.70% | −0.10 |
| September 11, 2020 | 0.80% | +0.05 |
| September 4, 2020 | 0.75% | −0.05 |
| July 21, 2020 | 0.80% | −0.20 |
| June 19, 2020 | 1.00% | −0.10 |
| May 22, 2020 | 1.10% | −0.30 |
| May 6, 2020 | 1.40% | −0.10 |
| March 20, 2020 | 1.50% | −0.30 |
| March 17, 2020 | 1.80% | −0.30 |
| January 14, 2020 | 2.10% | +0.01 |
| January 7, 2020 | 2.09% | −0.01 |
| November 18, 2019 | 2.10% | +0.10 |
| November 13, 2019 | 2.00% | −0.20 |
| October 31, 2019 | 2.20% | −0.10 |
| September 26, 2019 | 2.30% | −0.15 |
| September 19, 2019 | 2.45% | −0.05 |
| July 12, 2019 | 2.50% | −0.05 |
| July 7, 2019 | 2.55% | −0.10 |
| June 17, 2019 | 2.65% | −0.10 |
| May 30, 2019 | 2.75% | −0.05 |
| May 7, 2019 | 2.80% | −0.10 |
| January 21, 2019 | 2.90% | +0.10 |
| December 5, 2018 | 2.80% | +0.05 |
| October 9, 2018 | 2.75% | +0.10 |
| August 21, 2018 | 2.65% | +0.15 |
| June 27, 2018 | 2.50% | +0.05 |
| June 1, 2018 | 2.45% | +0.20 |
| April 18, 2018 | 2.25% | +0.05 |
| March 27, 2018 | 2.20% | +0.10 |
| March 5, 2018 | 2.10% | +0.25 |
| January 8, 2018 | 1.85% | +0.10 |
| October 4, 2017 | 1.75% | +0.10 |
| July 6, 2017 | 1.65% | +0.05 |
| April 11, 2017 | 1.60% | +0.15 |
| June 18, 2015 | 1.45% | +0.10 |
| March 9, 2015 | 1.35% | +0.15 |
| November 5, 2014 | 1.20% | +0.10 |
| May 21, 2014 | 1.10% | +0.05 |
| August 11, 2013 | 1.05% | −0.05 |
| February 28, 2013 | 1.10% | first tracked |
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ShareOther Synchrony Bank rates
- 3 Month CD0.25%
- 6 Month CD4.20%
- 9 Month CD4.50%
- 1 Year CD4.30%
- 14 Month CD4.40%
- 15 Month CD4.50%
- 18 Month CD4.50%
- 3 Year CD4.65%
- 4 Year CD4.65%
- 5 Year CD4.75%
- Savings3.75%
- Money Market Account2.00%
Other 2 Year CD rates
- State Bank of India5.04%
- Merrick Bank4.85%
- CFG Bank4.82%
- BTG Pactual US4.80%
- E*TRADE Bank4.80%
- Popular Direct4.80%
Common questions
What is the Synchrony Bank 2 Year CD rate today?
The Synchrony Bank 2 Year CD pays 4.60% APY as of November 6, 2026, checked 17 hours ago.
How does the Synchrony Bank 2 Year CD compare with other 2 Year CDs?
It pays 4.60% APY. The median across the 127 2 Year CD rates RateBrain tracks is 3.66%, so it is 0.94 percentage points above the median.
What has the Synchrony Bank 2 Year CD paid over time?
Since RateBrain began tracking it in 2013, it has paid as much as 4.60% (Oct 2026) and as little as 0.60% (Nov 2020).
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.