Synchrony Bank 2026 Review

Mat C.
Written by Mat C.
Managing Editor & Senior Developer
Mika L.
Edited by Mika L.
Financial Content & Editor

Synchrony Bank4.0/5

Rate (APY)
3.75% APY
Term
5 years
Minimum Deposit
$0
Promotion
N/A
Apply Now →on Synchrony Bank's website

Synchrony Bank offers a 3.75% APY for its 5-year CD with no minimum deposit, making it a flexible option for savers who want to start with any amount.

Pros:

  • No minimum deposit
  • Flexible account options

Cons:

  • Lower APY compared to top competitors

In conclusion, Synchrony Bank's 5-year CD with a competitive 3.75% APY and no minimum deposit requirement makes it an excellent choice for both new and seasoned savers looking to grow their funds with a reliable and flexible option. This offering is particularly well-suited for those seeking a secure investment with a solid return over the medium term.

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Summary of all rates from our cd rate pages. Click column headers to sort.

Provider ↕Rate ↓Term ↕Min Deposit
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Marcus by Goldman Sachs3.80% APY5 years$500Learn more
First Internet Bank of Indiana3.76% APY6 months$1,000Learn more
Synchrony Bank3.75% APY5 years$0Learn more
Big Horn Federal Savings Bank3.691% APY5 years$500Learn more
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