Synchrony Bank CD Rate - 5 Year

Synchrony Bank's 5 Year CD pays 4.75% APY as of November 9, 2026, checked 23 hours ago. Since RateBrain began tracking it in 2013, this 5 Year CD has paid as much as 4.75% (Oct 2026) and as little as 0.80% (Oct 2020). It is currently above the median 5 Year CD rate we track (3.40% across 113 banks).

4.75% APY

up from 4.50% on Oct 27

Last checked: Nov 9 · 23 hours ago
Minimum deposit: $2,000

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See the full Synchrony Bank 5 Year CD rate history »

Synchrony Bank CD Rate - 5 Year CD - Rate History

Now 4.75% APY

All-time high 4.75% (Oct 2026)
Low 0.80% (Oct 2020)
1-year change +0.75
66 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
October 27, 2026	4.75%	+0.25
September 30, 2026	4.50%	+0.15
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

Show all 66 changes

Date	APY	Change
March 10, 2022	1.50%	+0.35
February 7, 2022	1.15%	+0.15
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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Common questions

What is the Synchrony Bank 5 Year CD rate today?

The Synchrony Bank 5 Year CD pays 4.75% APY as of November 9, 2026, checked 23 hours ago.

How does the Synchrony Bank 5 Year CD compare with other 5 Year CDs?

It pays 4.75% APY. The median across the 113 5 Year CD rates RateBrain tracks is 3.40%, so it is 1.35 percentage points above the median.

What has the Synchrony Bank 5 Year CD paid over time?

Since RateBrain began tracking it in 2013, it has paid as much as 4.75% (Oct 2026) and as little as 0.80% (Oct 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.