Synchrony Bank CD Rate - 4 Year
Synchrony Bank's 4 Year CD pays 4.75% APY as of November 13, 2026, checked 1 hour ago. Since RateBrain began tracking it in 2013, this 4 Year CD has paid as much as 4.75% (Nov 2026) and as little as 0.65% (Feb 2021). It is currently above the median 4 Year CD rate we track (3.35% across 90 banks).
4.75% APY
up from 4.65% on Nov 13
- Last checked
- Nov 13 · 1 hour ago
- Minimum deposit
- $2,000
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See the full Synchrony Bank 4 Year CD rate history »
Synchrony Bank CD Rate - 4 Year CD - Rate History
Now 4.75% APY
- All-time high 4.75% (Nov 2026)
- Low 0.65% (Feb 2021)
- 1-year change +0.75
- 62 changes
- Tracked since Feb 2013
- Full rate history »
The gray line is the median 4 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| November 13, 2026 | 4.75% | +0.10 |
| October 27, 2026 | 4.65% | +0.25 |
| October 6, 2026 | 4.40% | +0.30 |
| September 16, 2026 | 4.10% | +0.10 |
| May 10, 2023 | 4.00% | −0.30 |
| 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 19, 2022 | 3.10% | +0.30 |
| August 11, 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 |
| May 9, 2022 | 1.90% | +0.10 |
| April 21, 2022 | 1.80% | +0.55 |
| March 29, 2022 | 1.25% | +0.35 |
| February 9, 2022 | 0.90% | +0.15 |
Show all 62 changes
| Date | APY | Change |
|---|---|---|
| October 13, 2021 | 0.75% | +0.10 |
| February 11, 2021 | 0.65% | −0.05 |
| October 28, 2020 | 0.70% | −0.05 |
| September 15, 2020 | 0.75% | −0.10 |
| July 21, 2020 | 0.85% | −0.30 |
| June 22, 2020 | 1.15% | −0.15 |
| May 24, 2020 | 1.30% | −0.15 |
| May 8, 2020 | 1.45% | −0.15 |
| March 19, 2020 | 1.60% | −0.20 |
| March 14, 2020 | 1.80% | −0.30 |
| January 14, 2020 | 2.10% | +0.01 |
| January 7, 2020 | 2.09% | −0.01 |
| December 27, 2019 | 2.10% | −0.05 |
| November 15, 2019 | 2.15% | −0.10 |
| October 29, 2019 | 2.25% | −0.15 |
| September 30, 2019 | 2.40% | −0.10 |
| September 9, 2019 | 2.50% | −0.05 |
| August 23, 2019 | 2.55% | −0.05 |
| August 18, 2019 | 2.60% | −0.05 |
| July 11, 2019 | 2.65% | −0.05 |
| July 2, 2019 | 2.70% | −0.10 |
| June 11, 2019 | 2.80% | −0.05 |
| May 30, 2019 | 2.85% | −0.05 |
| May 2, 2019 | 2.90% | −0.10 |
| January 21, 2019 | 3.00% | +0.05 |
| October 23, 2018 | 2.95% | +0.15 |
| August 22, 2018 | 2.80% | +0.15 |
| June 13, 2018 | 2.65% | +0.20 |
| April 24, 2018 | 2.45% | +0.15 |
| April 7, 2018 | 2.30% | +0.10 |
| March 5, 2018 | 2.20% | +0.10 |
| January 11, 2018 | 2.10% | +0.15 |
| October 6, 2017 | 1.95% | −0.05 |
| July 6, 2017 | 2.00% | +0.10 |
| March 24, 2017 | 1.90% | +0.20 |
| January 26, 2017 | 1.70% | −0.01 |
| January 18, 2017 | 1.71% | +0.11 |
| March 13, 2016 | 1.60% | −0.10 |
| February 12, 2014 | 1.70% | +0.10 |
| January 23, 2014 | 1.60% | +0.10 |
| September 20, 2013 | 1.50% | +0.10 |
| February 28, 2013 | 1.40% | first tracked |
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ShareOther Synchrony Bank rates
- 3 Month CD0.25%
- 6 Month CD4.20%
- 9 Month CD4.30%
- 1 Year CD4.40%
- 14 Month CD4.40%
- 15 Month CD4.60%
- 18 Month CD4.50%
- 2 Year CD4.70%
- 3 Year CD4.75%
- 5 Year CD4.80%
- Savings3.75%
- Money Market Account2.00%
Other 4 Year CD rates
- State Bank of India5.04%
- Quorum Federal Credit Union5.00%
- Popular Direct4.95%
- BTG Pactual US4.85%
- NASA Federal Credit Union4.75%
- Bread Financial4.65%
Common questions
What is the Synchrony Bank 4 Year CD rate today?
The Synchrony Bank 4 Year CD pays 4.75% APY as of November 13, 2026, checked 1 hour ago.
How does the Synchrony Bank 4 Year CD compare with other 4 Year CDs?
It pays 4.75% APY. The median across the 90 4 Year CD rates RateBrain tracks is 3.35%, so it is 1.40 percentage points above the median.
What has the Synchrony Bank 4 Year CD paid over time?
Since RateBrain began tracking it in 2013, it has paid as much as 4.75% (Nov 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.