Update: 06/28/18: Rate is now 2.45% for a 14 month CD (previous deals were on 12 month CDs).
Update 4/22/18: Rate nos 2.15%
Update 2/26/18: Rate is now 1.95%
Update 2/5/18: Rate is down to 1.85% now.
The Offer
- Synchrony offers a 14-month CD with a 2.45% APY
You can see the full chart of rates at the above link, but this 2.45% rate is the only special rate.
The Fine Print
- All APYs are accurate as of 01/06/2018. APYs are subject to change at any time without notice.
- Offers apply to personal accounts only.
- Fees may reduce earnings.
- For CDs, a minimum of $2,000 is required to open a CD and must be deposited in a single transaction.
- A penalty may be imposed for early withdrawals.
- After maturity, if you choose to roll over your CD, you will earn the base rate of interest in effect at that time.
Our Verdict
This is the best widely available CD option on the market without a maximum deposit (up to $250k is FDIC insured). Other good options usually hover in the 1.6-1.7% range. Check out other high-interest savings accounts here. There’s also a 2.25% APY rate on up to $50k for NFCU members.
