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expiredHubbs1 posted Jan 05, 2024 02:27 AM
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expiredHubbs1 posted Jan 05, 2024 02:27 AM

Synchrony Bank 5.5% APY CD 15 Months

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Looks like one of the better rates for over a year. Signup and funding was very easy.

https://www.synchronybank.com/banking/cd/
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Looks like one of the better rates for over a year. Signup and funding was very easy.

https://www.synchronybank.com/banking/cd/

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15 Comments

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Pro
Jan 05, 2024 04:17 AM
1,333 Posts
Joined Dec 2023
FrugalForever
Pro
Jan 05, 2024 04:17 AM
1,333 Posts
Wealthfrnt high yielding checking accounts have 5.5% apy with referral and no lock-in. Just curious how a CD is better. Any red flags with wealthfrnt?
Jan 05, 2024 04:25 AM
3,020 Posts
Joined May 2006
CreepyLilBeastJan 05, 2024 04:25 AM
3,020 Posts
Quote from FrugalForever :
Wealthfrnt high yielding checking accounts have 5.5% apy with referral and no lock-in. Just curious how a CD is better. Any red flags with wealthfrnt?
With wealthfront, you can only stack that boost upto 6 months with referral
Also, there is some expectation that rates may go down in which case wealthfront will lower rates too

On that note - Marcus gives a boost of 1% on referral and lets you stack upto more than an year. Ends up being same rate as wealthfront with longer duration courtesy referrals
Jan 06, 2024 10:14 PM
2,085 Posts
Joined Jan 2008
rarmortnJan 06, 2024 10:14 PM
2,085 Posts
Is it required to open a savings account along-side this 15-mo CD?
Original Poster
Pro
Jan 08, 2024 01:56 AM
545 Posts
Joined Jul 2019
Hubbs1
Original Poster
Pro
Jan 08, 2024 01:56 AM
545 Posts
Quote from rarmortn :
Is it required to open a savings account along-side this 15-mo CD?
No I don't have a savings account with them, just the CD.
1
Jan 08, 2024 03:09 AM
2,085 Posts
Joined Jan 2008
rarmortnJan 08, 2024 03:09 AM
2,085 Posts
Quote from Hubbs1 :
No I don't have a savings account with them, just the CD.
Thank you! I'll be doing the same. May open the savings account later when they have a special account opening bonus.
Jan 08, 2024 04:48 AM
540 Posts
Joined Nov 2010
mrseanJan 08, 2024 04:48 AM
540 Posts
I would pass. Read the disclosure.
1
Original Poster
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Jan 08, 2024 02:55 PM
545 Posts
Joined Jul 2019
Hubbs1
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Jan 08, 2024 02:55 PM
545 Posts
Quote from mrsean :
I would pass. Read the disclosure.
The CD terms seemed standard, what part is causing you to pass?

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Jan 08, 2024 04:27 PM
540 Posts
Joined Nov 2010
mrseanJan 08, 2024 04:27 PM
540 Posts
Quote from Hubbs1 :
The CD terms seemed standard, what part is causing you to pass?
The rate is not guaranteed. I don't know if that's standard legalese for CDs or not but they would make me think twice about putting my money into this one.
1
Jan 09, 2024 02:42 AM
2,085 Posts
Joined Jan 2008
rarmortnJan 09, 2024 02:42 AM
2,085 Posts
Quote from mrsean :
The rate is not guaranteed. I don't know if that's standard legalese for CDs or not but they would make me think twice about putting my money into this one.
I think you got confused. Once you confirm your CD rate while opening, the rate will stay good for the CD's term.
Jan 09, 2024 03:45 AM
116 Posts
Joined Dec 2005
jelopyJan 09, 2024 03:45 AM
116 Posts
I locked 5.65% for 14 months 3 weeks ago with Synchrony. I've had my savings with them for many years, no complaints.
Jan 09, 2024 01:48 PM
42 Posts
Joined Dec 2007
renderman21Jan 09, 2024 01:48 PM
42 Posts
Does this company support opening the CD in the name of a trust? Or at least name the trust as a beneficiary?
Jan 10, 2024 01:45 PM
483 Posts
Joined Apr 2022
ShrewdSnow237Jan 10, 2024 01:45 PM
483 Posts
Quote from FrugalForever :
Wealthfrnt high yielding checking accounts have 5.5% apy with referral and no lock-in. Just curious how a CD is better. Any red flags with wealthfrnt?
Wealthfront has been really easy for me. I'm getting 5% without any referral apy. Got screwed on other traditional bank promo interest rates on stupid fine print stuff - never with Wealthfront
Pro
Jan 10, 2024 01:57 PM
1,333 Posts
Joined Dec 2023
FrugalForever
Pro
Jan 10, 2024 01:57 PM
1,333 Posts
Quote from ShrewdSnow237 :
Wealthfront has been really easy for me. I'm getting 5% without any referral apy. Got screwed on other traditional bank promo interest rates on stupid fine print stuff - never with Wealthfront
Same has been my experience. Thanks for chiming in
Jan 13, 2024 10:37 PM
1,379 Posts
Joined Jan 2008
ScroogeJan 13, 2024 10:37 PM
1,379 Posts
Anyone know what is the highest CD rate one can get today, either bank or credit union? TIA

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Jan 19, 2024 01:20 PM
14 Posts
Joined Dec 2013
FloydAJan 19, 2024 01:20 PM
14 Posts
Quote from renderman21 :
Does this company support opening the CD in the name of a trust? Or at least name the trust as a beneficiary?
I am in the same boat trying to find a place to put the money from a trust. I was thinking of a if I could find a CD to stick some cash in my parents should be able to sustain the nest egg for a bit. I was thinking about using a CD but very cautious as its allot of responsibility.

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