Synchrony Bank CD Rate - 5 Year
Synchrony Bank's 5 Year CD pays 4.35% APY as of September 16, 2026, checked 10 days ago. The rate was raised from 3.75% on August 31, 2026. Since RateBrain began tracking it in 2013, this 5 Year CD has paid as much as 4.35% (Aug 2026) and as little as 0.80% (Oct 2020). It is currently above the median 5 Year CD rate we track (3.33% across 62 banks).
4.35% APY
up from 3.75% on Aug 31
- Last checked
- Sep 16 · 10 days ago
- Minimum deposit
- $2,000
Rate history
Now 4.35% APY
- All-time high 4.35% (Aug 2026)
- Low 0.80% (Oct 2020)
- 1-year change +0.20
- 64 changes
- Tracked since Feb 2013
- Full rate history »
The gray line is the median 5 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| August 31, 2026 | 4.35% | +0.60 |
| December 10, 2025 | 3.75% | −0.25 |
| October 7, 2025 | 4.00% | −0.15 |
| January 16, 2025 | 4.15% | +0.15 |
| May 8, 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% | +0.20 |
| September 28, 2022 | 3.61% | +0.11 |
| September 9, 2022 | 3.50% | +0.25 |
| July 28, 2022 | 3.25% | +0.15 |
| July 11, 2022 | 3.10% | +0.20 |
| June 27, 2022 | 2.90% | +0.30 |
| May 26, 2022 | 2.60% | +0.20 |
| May 16, 2022 | 2.40% | +0.15 |
| May 9, 2022 | 2.25% | +0.10 |
| April 21, 2022 | 2.15% | +0.65 |
| March 10, 2022 | 1.50% | +0.35 |
| February 7, 2022 | 1.15% | +0.15 |
Show all 64 changes
| Date | APY | Change |
|---|---|---|
| November 29, 2021 | 1.00% | +0.15 |
| October 13, 2021 | 0.85% | +0.05 |
| October 28, 2020 | 0.80% | −0.10 |
| September 15, 2020 | 0.90% | −0.10 |
| July 21, 2020 | 1.00% | −0.20 |
| June 16, 2020 | 1.20% | −0.20 |
| May 22, 2020 | 1.40% | −0.10 |
| April 29, 2020 | 1.50% | −0.15 |
| March 20, 2020 | 1.65% | −0.20 |
| March 17, 2020 | 1.85% | −0.30 |
| January 14, 2020 | 2.15% | +0.01 |
| January 7, 2020 | 2.14% | −0.01 |
| December 22, 2019 | 2.15% | −0.10 |
| November 13, 2019 | 2.25% | −0.05 |
| November 1, 2019 | 2.30% | −0.15 |
| September 25, 2019 | 2.45% | −0.10 |
| September 6, 2019 | 2.55% | −0.05 |
| August 29, 2019 | 2.60% | −0.05 |
| August 16, 2019 | 2.65% | −0.15 |
| July 2, 2019 | 2.80% | −0.10 |
| June 12, 2019 | 2.90% | −0.10 |
| May 29, 2019 | 3.00% | −0.10 |
| October 28, 2018 | 3.10% | +0.10 |
| August 21, 2018 | 3.00% | +0.15 |
| June 1, 2018 | 2.85% | +0.25 |
| April 24, 2018 | 2.60% | +0.10 |
| March 5, 2018 | 2.50% | +0.10 |
| January 10, 2018 | 2.40% | +0.10 |
| October 2, 2017 | 2.30% | −0.05 |
| July 6, 2017 | 2.35% | +0.10 |
| March 24, 2017 | 2.25% | +0.30 |
| January 26, 2017 | 1.95% | +0.15 |
| August 15, 2016 | 1.80% | −0.20 |
| March 21, 2016 | 2.00% | −0.20 |
| December 8, 2014 | 2.20% | −0.05 |
| May 6, 2014 | 2.25% | +0.05 |
| March 19, 2014 | 2.20% | +0.20 |
| February 12, 2014 | 2.00% | +0.10 |
| January 23, 2014 | 1.90% | +0.05 |
| December 5, 2013 | 1.85% | +0.05 |
| October 16, 2013 | 1.80% | +0.05 |
| September 19, 2013 | 1.75% | +0.10 |
| August 10, 2013 | 1.65% | +0.15 |
| February 28, 2013 | 1.50% | first tracked |
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Copy linkOther Synchrony Bank rates
- 6 Month CD4.10%
- 1 Year CD4.10%
- 14 Month CD4.15%
- 16 Month CD4.30%
- 2 Year CD2.00%
- 3 Year CD4.10%
- 4 Year CD4.10%
- Savings3.30%
- Money Market Account2.00%
Other 5 Year CD rates
- State Bank of India4.58%
- NASA Federal Credit Union4.55%
- Bread Financial4.50%
- BTG Pactual US4.50%
- Popular Direct4.50%
- E*TRADE4.40%
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.