Synchrony Bank 5 Year CD Rate History (2013–2026)
RateBrain has recorded 64 rate changes for Synchrony Bank's 5 Year CD since February 28, 2013. Its highest rate was 4.35% (Aug 2026) and its lowest 0.80% (Oct 2020). It pays 4.35% APY today, last changed on August 31, 2026. That is up 0.20 percentage points from a year ago.
Current Synchrony Bank 5 Year CD rate »Synchrony Bank rate history »5 Year CD rate history »
Rate history chart
Now 4.35% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.35% | 3.75% | 4.35% | 1 |
| 2025 | 4.15% | 3.75% | 3.75% | 3 |
| 2024 | 4.00% | 4.00% | 4.00% | 0 |
| 2023 | 4.30% | 4.00% | 4.00% | 1 |
| 2022 | 4.30% | 1.00% | 4.30% | 15 |
| 2021 | 1.00% | 0.80% | 1.00% | 2 |
| 2020 | 2.15% | 0.80% | 0.80% | 10 |
| 2019 | 3.10% | 2.15% | 2.15% | 10 |
| 2018 | 3.10% | 2.30% | 3.10% | 6 |
| 2017 | 2.35% | 1.80% | 2.30% | 4 |
| 2016 | 2.20% | 1.80% | 1.80% | 2 |
| 2015 | 2.20% | 2.20% | 2.20% | 0 |
| 2014 | 2.25% | 1.85% | 2.20% | 5 |
| 2013 | 1.85% | 1.50% | 1.85% | 5 |
All 64 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 |
| 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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