Synchrony 12-Month CD
One of the highest 12-month CD rates with no minimum. Solid pick.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- APY: 4.15%
- Monthly fee: $0
- Minimum deposit: $0
- Term: 12 months
FairPrice score: 82/100
Features
- No minimum deposit
- Perks program (ATM rebates, wire fees)
- Higher-tier rewards at $100k+
Pros
- Top-tier 12mo APY
- No minimum
- Diamond perks at high balances
Cons
- Interface feels dated
- No checking bundling
Best for
- highest apy
- no minimum
- 1 year cd
Official source · Last verified 2026-10-05