1 year CD rate at Synchrony Bank is the top rate available right now. The current Synchrony Bank 1 year CD rate is at 1.24 percent with an APY of 1.25 percent. 1 year CD rates were increased from 1.19 percent with an APY of 1.20 percent this past month. View the most current CD rate here: Synchrony Bank 1 Year CD Rates