Synchrony Bank CD Rate - 3 Year

Synchrony Bank's 3 Year CD pays 4.10% APY as of September 16, 2026, checked 6 days ago. The rate was lowered from 4.30% on September 16, 2026. Since RateBrain began tracking it in 2013, this 3 Year CD has paid as much as 4.30% (Nov 2022) and as little as 0.65% (Feb 2021). It is currently above the median 3 Year CD rate we track (3.43% across 56 banks).

4.10% APY

down from 4.30% on Sep 16

Last checked: Sep 16 · 6 days ago
Minimum deposit: $2,000

View on Synchrony Bank’s website »See all Synchrony Bank rates »

Rate history

Now 4.10% APY

All-time high 4.30% (Nov 2022)
Low 0.65% (Feb 2021)
1-year change +0.10
69 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
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
May 26, 2022	2.30%	+0.30
May 16, 2022	2.00%	+0.10

Show all 69 changes

Date	APY	Change
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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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.