Head to head
Marcus vs Synchrony CD
As of September 8, 2026, both banks post a top print of 4.35% APY: Marcus on 18 months (a $500 minimum), Synchrony on 5 years (no minimum). On a shorter lock, Marcus's headline beats Synchrony's featured 16 months at 4.3% APY. Marcus loses on the minimum.
| Marcus | Synchrony | |
|---|---|---|
| Headline APY | 4.35% | 4.3% |
| Headline term | 18 months | 16 months |
| Highest term in table | 4.35% on 18 months | 4.35% on 5 years |
| Minimum | $500 | None |
| Verified | September 7, 2026 | September 8, 2026 |
The only verdict we use
As of September 8, 2026, both banks post a top print of 4.35% APY: Marcus on 18 months (a $500 minimum), Synchrony on 5 years (no minimum). On a shorter lock, Marcus's headline beats Synchrony's featured 16 months at 4.3% APY. Marcus loses on the minimum.
The same sentence is on the Marcus CD page and the Synchrony CD page. It is built from the live catalog, not a hardcoded date.
FAQ
Marcus vs Synchrony CD: who wins?
As of September 8, 2026, both banks post a top print of 4.35% APY: Marcus on 18 months (a $500 minimum), Synchrony on 5 years (no minimum). On a shorter lock, Marcus's headline beats Synchrony's featured 16 months at 4.3% APY. Marcus loses on the minimum.
What is the Marcus CD rate?
Marcus posts 4.35% APY on 18 months as of September 7, 2026, with a $500 minimum.
What are Synchrony CD rates today?
Synchrony's featured print is 4.3% APY on 16 months as of September 8, 2026, with no minimum. Its highest term is 5 years at 4.35% APY.