Synchrony Bank CD Rate - 3 Year

Synchrony Bank's 3 Year CD pays 4.65% APY as of November 6, 2026, checked 17 hours ago. Since RateBrain began tracking it in 2013, this 3 Year CD has paid as much as 4.65% (Oct 2026) and as little as 0.65% (Feb 2021). It is currently above the median 3 Year CD rate we track (3.45% across 121 banks).

4.65% APY

up from 4.40% on Oct 27

Last checked: Nov 6 · 17 hours ago
Minimum deposit: $2,000

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See the full Synchrony Bank 3 Year CD rate history »

Synchrony Bank CD Rate - 3 Year CD - Rate History

Now 4.65% APY

All-time high 4.65% (Oct 2026)
Low 0.65% (Feb 2021)
1-year change +0.90
71 changes
Tracked since Feb 2013
Full rate history »

The gray line is the median 3 Year CD rate across the banks we tracked each month.

Rate changes

Date	APY	Change
October 27, 2026	4.65%	+0.25
October 6, 2026	4.40%	+0.30
September 16, 2026	4.10%	−0.20
August 31, 2026	4.30%	+0.70
December 10, 2025	3.60%	−0.15
September 30, 2025	3.75%	−0.25
January 16, 2025	4.00%	+0.25
November 21, 2024	3.75%	−0.15
October 21, 2024	3.90%	−0.10
October 2, 2024	4.00%	−0.15
February 3, 2024	4.15%	−0.15
November 17, 2022	4.30%	+0.04
November 11, 2022	4.26%	+0.25
October 26, 2022	4.01%	+0.20
October 11, 2022	3.81%	+0.31
September 29, 2022	3.50%	+0.40
August 17, 2022	3.10%	+0.30
July 28, 2022	2.80%	+0.20
July 11, 2022	2.60%	+0.10
June 27, 2022	2.50%	+0.20

Show all 71 changes

Date	APY	Change
May 26, 2022	2.30%	+0.30
May 16, 2022	2.00%	+0.10
May 9, 2022	1.90%	+0.10
April 21, 2022	1.80%	+0.55
March 10, 2022	1.25%	+0.35
February 7, 2022	0.90%	+0.15
September 18, 2021	0.75%	+0.10
February 11, 2021	0.65%	−0.05
October 30, 2020	0.70%	−0.05
September 16, 2020	0.75%	−0.10
July 21, 2020	0.85%	−0.30
June 22, 2020	1.15%	−0.10
May 22, 2020	1.25%	−0.15
May 15, 2020	1.40%	+0.05
May 11, 2020	1.35%	−0.05
May 6, 2020	1.40%	−0.15
March 21, 2020	1.55%	−0.25
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%	−0.15
November 4, 2019	2.25%	−0.10
September 25, 2019	2.35%	−0.10
September 18, 2019	2.45%	−0.05
September 4, 2019	2.50%	−0.05
August 13, 2019	2.55%	−0.05
July 8, 2019	2.60%	−0.10
June 14, 2019	2.70%	−0.10
May 30, 2019	2.80%	−0.05
May 2, 2019	2.85%	−0.05
January 9, 2019	2.90%	+0.05
October 28, 2018	2.85%	+0.10
October 9, 2018	2.75%	+0.05
August 22, 2018	2.70%	+0.15
June 13, 2018	2.55%	+0.20
April 24, 2018	2.35%	+0.10
April 7, 2018	2.25%	+0.20
March 5, 2018	2.05%	+0.10
January 11, 2018	1.95%	+0.15
September 21, 2017	1.80%	−0.05
July 6, 2017	1.85%	+0.10
April 7, 2017	1.75%	+0.15
February 7, 2017	1.60%	+0.10
February 2, 2015	1.50%	+0.15
November 4, 2014	1.35%	+0.10
February 10, 2014	1.25%	−0.10
February 4, 2014	1.35%	+0.10
November 29, 2013	1.25%	+0.05
May 10, 2013	1.20%	−0.05
April 22, 2013	1.25%	+0.05
February 28, 2013	1.20%	first tracked

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Common questions

What is the Synchrony Bank 3 Year CD rate today?

The Synchrony Bank 3 Year CD pays 4.65% APY as of November 6, 2026, checked 17 hours ago.

How does the Synchrony Bank 3 Year CD compare with other 3 Year CDs?

It pays 4.65% APY. The median across the 121 3 Year CD rates RateBrain tracks is 3.45%, so it is 1.20 percentage points above the median.

What has the Synchrony Bank 3 Year CD paid over time?

Since RateBrain began tracking it in 2013, it has paid as much as 4.65% (Oct 2026) and as little as 0.65% (Feb 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.