Synchrony Bank CD early withdrawal penalty

Synchrony Bank
CD early withdrawal penalty

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Published terms reviewed; calculation inputs still required

We have reviewed the published terms below. They do not establish every detail needed for a bank-specific dollar calculation, so the estimator requires your own agreement inputs. We do not fill those gaps with assumptions.

Standard CDs — published penalty guidelines

Synchrony Bank’s article on CD early withdrawals lists 90 days of simple interest at the current rate for terms of 12 months or less, 180 days for terms longer than 12 months but shorter than 48 months, and 365 days for terms of 48 months or longer. It separately notes that No-Penalty CDs can have different withdrawal terms.

This is an official bank explanatory article published December 16, 2025; its penalty table is attributed to October 10, 2025. It is not the complete current account agreement, and the article says information was current when written. Confirm the current disclosure and the customer’s contract, including product exceptions and the calculation basis, before estimating an exact fee.

TFS assisted source review: Aug 31, 2026 · Last source check: Aug 31, 2026 · Official source

What would closing your CD cost?

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Estimate a full principal withdrawal before maturity. Amounts stay in this page and are not sent to TFS. Your institution must confirm eligibility and the final redemption quote.

Enter the terms from your disclosure

These are your inputs, not verified Synchrony Bank terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.

Synchrony BankCD early withdrawal penalty

Published terms reviewed; calculation inputs still required

Standard CDs — published penalty guidelines

What would closing your CD cost?

Located source pages

Synchrony Bank
CD early withdrawal penalty