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Synchrony Rate Changes as of 7-8-2025

RichardW
  |     |   830 posts since 2019

Synchrony raises the rate of their 13-month CD and lowers the rate of their 15-month CD. The rates of their other products remain the same.

Synchrony Bank rates (APY) as of 7-8-2025 include:

High Yield Savings @ 3.80% (no change)

6-month @ 3.70% (no change)

9-month @ 3.90% (no change)

11-month NP @ 0.25% (no change)

12-month @ 4.00% (no change)

13-month @ 4.15% (was 3.90%)

14-month @ 4.00% (no change)

15-month @ 3.90% (was 4.15%)

16-month @ 3.90% (no change)

18-month @ 3.80% (no change)

19-month @ 4.15% (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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12
RichardW
  |     |   830 posts since 2019
The par yields of several Treasuries as of 7/7/2025 are listed below. If you are currently considering the purchase of a CD, you may wish to consider a Treasury instead. Treasuries are exempt from state and local income taxes.

1-month: 4.37%
1.5-month: 4.43%
2-month: 4.45%
3-month: 4.42%
4-month: 4.41%
6-month: 4.33%
1-year: 4.08%
2-year: 3.90%
3-year: 3.85%
5-year: 3.96%
7-year: 4.16%
10-year: 4.40%

https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treas...
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8
GH1
  |     |   1,059 posts since 2017
Those rates fir super low at synchrony
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2
happyharold4
  |     |   401 posts since 2022
Remember the above rates are for traditional CD's---IRA CD's may have completely different rates---Also Synchrony does not offer an IRA savings---But you can open an IRA MM to dump in if not sure what to do at maturity---I have an IRA maturing with them 7/14 is why I brought this up.
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3

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