Marcus by Goldman Sachs High-Yield 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 MB Marcus by Goldman Sachs High-Yield CD Marcus by Goldman Sachs 96/100 | SB Synchrony Bank CD Synchrony Bank 96/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 12-month APY | 4.40% | 4.20% |
| Minimum deposit | $500 | $0 |
| FDIC insured | Yes | Yes |
| 2-year APY | 4.40% | — |
| 9-month APY | 4.30% | — |
| Annual fee | — | — |
| Best for | Savers with at least $500 who want a 1-year lock | Savers who want a 13-month CD with no minimum |
| View profile | View profile |
Which should you choose: the Marcus by Goldman Sachs High-Yield CD or the Synchrony Bank CD?
The Marcus by Goldman Sachs High-Yield CD and the Synchrony Bank CD score evenly at 96/100 in our ranking, so the better choice comes down to fit. Lean to the Synchrony Bank CD if savers who want a 13-month CD with no minimum; otherwise the Marcus by Goldman Sachs High-Yield CD is the safer default.
On 12-month APY, the Marcus by Goldman Sachs High-Yield CD shows 4.40% versus the Synchrony Bank CD's 4.20%. On minimum deposit, the Marcus by Goldman Sachs High-Yield CD shows $500 versus the Synchrony Bank CD's $0. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Marcus by Goldman Sachs High-Yield CD vs Synchrony Bank CD: FAQ
Is the Marcus by Goldman Sachs High-Yield CD or the Synchrony Bank CD better?
The two score evenly at 96/100 in our ranking, so the right pick depends on your situation. The Synchrony Bank CD fits if savers who want a 13-month CD with no minimum, otherwise the Marcus by Goldman Sachs High-Yield CD is a safe default.
What is the main difference between the Marcus by Goldman Sachs High-Yield CD and the Synchrony Bank CD?
On 12-month APY, the Marcus by Goldman Sachs High-Yield CD offers 4.40% 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.