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expired Posted by leonhearts • Nov 28, 2023
expired Posted by leonhearts • Nov 28, 2023

Synchrony Bank: 5.65% APY 14-month High Yield Certificate of Deposit Account (CD), No minimum

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Synchrony bank is offering 5.65% APY on their 14 month CD, no minimum

https://www.synchronybank.com/ban...de=0000000

Note that this is a lock-in rate. You cannot bump up, nor can you early withdraw

Other options to consider

6-month CD: 5.25%
9-month CD: 5.50%
12-month CD: 5.30%
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Synchrony bank is offering 5.65% APY on their 14 month CD, no minimum

https://www.synchronybank.com/ban...de=0000000

Note that this is a lock-in rate. You cannot bump up, nor can you early withdraw

Other options to consider

6-month CD: 5.25%
9-month CD: 5.50%
12-month CD: 5.30%

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7 Comments

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Dec 1, 2023
223 Posts
Joined Nov 2009
Dec 1, 2023
Ninjaxin
Dec 1, 2023
223 Posts
yeah... they're a pretty well known bank, but they're soooooo slow. I opened a savings account and they said they'd let me know in a few business days. About a week later and no word yet. Wondering if CDs are also this slow too
Dec 1, 2023
31 Posts
Joined Jun 2021
Dec 1, 2023
FaithfulArm3121
Dec 1, 2023
31 Posts
Synchrony is great. Clean, clear website, clean paper statements sent in the mail (which is rare these days), good telephone customer service. The op that posted this failed to mention that this offer ends December 4th and he/she got the early withdrawal penalty wrong. It says in the terms agreement "The early withdrawal penalty for a CD with a term of more than 12 months but less than 48
months will be an amount equal to 180 days simple interest on the amount withdrawn at the current interest rate for the CD". That means you will forfeit 6 months of interest on the amount withdrawn early which is pretty hefty, but so is the interest rate compared to others. If that is too much for you to bear then consider the 9 moth 5.50% CD which has a 90 day early withdrawal penalty.
Dec 4, 2023
2,585 Posts
Joined Sep 2006
Dec 4, 2023
dpecs
Dec 4, 2023
2,585 Posts
Can I open One account and then fund each type of cd?
Or us each account a CD type?
Dec 7, 2023
1,375 Posts
Joined Jan 2008
Dec 7, 2023
Scrooge
Dec 7, 2023
1,375 Posts
shouldn't rates be higher than this by now?
Dec 9, 2023
8,000 Posts
Joined Oct 2008
Dec 9, 2023
DontTaxBeer
Dec 9, 2023
8,000 Posts
Quote from Scrooge :
shouldn't rates be higher than this by now?
yup. they should be. banks are greedy AF and are holding out.
Dec 9, 2023
4,949 Posts
Joined Jan 2009
Dec 9, 2023
bigballs
Dec 9, 2023
4,949 Posts
Quote from Scrooge :
shouldn't rates be higher than this by now?
They're anticipating cuts next year so the rates will not go up. This one has already been lowered.
Dec 12, 2023
4,483 Posts
Joined Aug 2007
Dec 12, 2023
pug_ster
Dec 12, 2023
4,483 Posts
Guessing that the deal is dead.

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