Head to head
Marcus vs Synchrony CD
Synchrony pays the higher top rate: 4.5% APY on 5 years (read Oct 19, 2026) against Marcus's 4.4% APY on 12 months High-Yield (read Oct 14, 2026). Synchrony asks for no minimum; Marcus asks for a $500 minimum. On a lock of about a year and a half, Marcus pays 4.4% APY on 18 months and Synchrony pays 4.3% APY on 16 months.
| Measure | Marcus | Synchrony |
|---|---|---|
| Headline APY | 4.40% | 4.30% |
| Headline term | 18 months | 16 months |
| Highest term in table | 4.40% on 18 months | 4.50% on 5 years |
| Minimum | $500 | None |
| Verified | October 14, 2026 | October 19, 2026 |
How to read this comparison
The winner above is whoever posts the higher top rate; the minimum deposit and the lock length can still favour the other bank for your situation. Each rate carries the date it was read on that bank's own page, and the two dates can differ. Rates change without notice, so confirm on the bank's page before you open a CD.
Full tables: Marcus CD and Synchrony CD.
FAQ
Marcus vs Synchrony CD: who pays more?
Synchrony pays the higher top rate: 4.5% APY on 5 years (read Oct 19, 2026) against Marcus's 4.4% APY on 12 months High-Yield (read Oct 14, 2026). Synchrony asks for no minimum; Marcus asks for a $500 minimum. On a lock of about a year and a half, Marcus pays 4.4% APY on 18 months and Synchrony pays 4.3% APY on 16 months.
What is the Marcus CD rate?
Marcus posts 4.40% APY on 18 months as of October 14, 2026, with a $500 minimum.
What are Synchrony CD rates today?
Synchrony's featured print is 4.30% APY on 16 months as of October 19, 2026, with no minimum. Its highest term is 5 years at 4.50% APY.