Capital One 360 1-Year CD vs Synchrony Bank CD
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
Money 8020 pick CO Capital One 360 1-Year CD Capital One 97/100 | SB Synchrony Bank CD Synchrony Bank 96/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 12-month APY | 4.00% | 4.20% |
| Minimum deposit | $0 | $0 |
| FDIC insured | Yes | Yes |
| 11-month APY | 4.40% | — |
| 9-month APY | 3.75% | — |
| Annual fee | — | — |
| Best for | Savers who want a short CD with no minimum | Savers who want a 13-month CD with no minimum |
| View profile | View profile |
Which should you choose: the Capital One 360 1-Year CD or the Synchrony Bank CD?
The Capital One 360 1-Year CD is the stronger pick of the two, with a Money 8020 score of 97/100 versus 96. Choose the Synchrony Bank CD instead if savers who want a 13-month CD with no minimum.
On 12-month APY, the Capital One 360 1-Year CD shows 4.00% versus the Synchrony Bank CD's 4.20%. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One 360 1-Year CD vs Synchrony Bank CD: FAQ
Is the Capital One 360 1-Year CD or the Synchrony Bank CD better?
By our scoring, the Capital One 360 1-Year CD edges ahead with a Money 8020 score of 97/100 versus 96. The Synchrony Bank CD can still be the better fit if savers who want a 13-month CD with no minimum.
What is the main difference between the Capital One 360 1-Year CD and the Synchrony Bank CD?
On 12-month APY, the Capital One 360 1-Year CD offers 4.00% while the Synchrony Bank CD offers 4.20%. Review the full table above and confirm current terms with each provider. This is not financial advice.