Synchrony Rate Changes as of 3-4-2025

RichardW | Mar 4, 2025 | 787 posts since 2019

Synchrony raises the rate of their 16-month CD and lowers the rate of their 13-month CD. Their other product rates remain the same.

Synchrony Bank rates (APY) as of 3-4-2025 include:

High Yield Savings @ 4.00% (no change)

6-month @ 3.70% (no change)

9-month @ 4.00% (no change)

11-month NP @ 0.25% (no change)

12-month @ 4.00% (no change)

13-month @ 4.25% (was 4.35%)

14-month @ 4.25% (no change)

15-month @ 3.50% (no change)

16-month @ 4.40% (was 4.15%)

18-month @ 3.80% (no change)

19-month @ 3.50% (no change)

24-month @ 3.50% (no change)

36-month @ 4.00% (no change)

48-month @ 3.50% (no change)

60-month @ 4.15% (no change)

For more information regarding all Synchrony Bank non-IRA product rates see:

https://www.synchronybank.com/banking/ratesandterms/

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RichardW | Mar 4, 2025 | 787 posts since 2019

The par yields of several Treasuries as of 3/3/2025 are listed below. See: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treas...

If you are currently considering the purchase of a CD, you may wish to consider a Treasury instead. Since Treasuries are exempt from state and local income taxes, depending on your taxable income and state of residence, the taxable-equivalent yields could be higher than the yields shown below.

1-month: 4.38%
1.5-month: 4.38%
2-month: 4.37%
3-month: 4.35%
4-month: 4.31%
6-month: 4.31%
1-year: 4.06%
2-year: 3.96%
3-year: 3.93%
5-year: 3.97%
7-year: 4.06%
10-year: 4.16%

For new DA readers who are not familiar with how to purchase Treasuries, here is a useful video which explains how to buy new-issue Treasury Bills, Treasury Notes, Treasury Bonds from Fidelity & TreasuryDirect: https://www.youtube.com/watch?v=rFuiC-UNeMc&list=PLsv_4H5rP97FNVjjEOvf4rf5ceQ29T_Uw The portion of the video which describes the steps of how to buy new-issue Treasuries from Fidelity & TreasuryDirect begins at approximately 16 minutes into this 26 minute video.

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