Chase vs Synchrony CD Rates (November 2026)

On a 1-year CD, $10,000 earns $380.00 more at Synchrony than at Chase. The full term-by-term breakdown is below.

Chase rates checked Nov 7, 2026Synchrony rates checked Nov 7, 2026FDIC / FDIC insured

Updated Nov 7, 2026

The verdict: Chase vs Synchrony

Synchrony pays the higher APY on 11 of the 13 terms both banks offer for a $10,000 deposit. Chase leads on 2.

At the headline 1 year term, Synchrony pays 4.30% APY against 0.50% at Chase, a $380.00 difference on $10,000. Each bank's best offer right now: Chase pays up to 3.50% (8 months, relationship) and Synchrony up to 4.75% (5 years).

The rate is only half the decision. Chase and Synchrony charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.

Chase vs Synchrony CD rates by term

Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.

Chase and Synchrony CD rates by term for a $10,000 deposit
Term	Chase	Synchrony	Better pick
1 month	0.02% (rel.)	–	–
2 months	0.50% (rel.)	–	–
3 months	0.50% (rel.)	0.25%	Chase
4 months	1.75% (rel.)	–	–
5 months	0.50% (rel.)	–	–
6 months	2.25% (rel.)	4.20%	Synchrony
7 months	2.25% (rel.)	–	–
8 months	3.50% (rel.)	–	–
9 months	0.50% (rel.)	4.50%	Synchrony
10 months	1.50% (rel.)	–	–
11 months	2.50% (rel.)	0.25%	Chase
1 year	0.50% (rel.)	4.30%	Synchrony
13 months	3.20% (rel.)	4.30%	Synchrony
14 months	0.50% (rel.)	4.30%	Synchrony
15 months	2.00% (rel.)	4.50%	Synchrony
16 months	–	4.40%	–
18 months	2.00% (rel.)	4.50%	Synchrony
19 months	–	4.50%	–
21 months	2.00% (rel.)	–	–
2 years	2.00% (rel.)	4.60%	Synchrony
30 months	2.00% (rel.)	–	–
3 years	2.00% (rel.)	4.65%	Synchrony
42 months	2.00% (rel.)	–	–
4 years	2.00% (rel.)	4.65%	Synchrony
5 years	2.00% (rel.)	4.75%	Synchrony
7 years	2.00% (rel.)	–	–
10 years	2.00% (rel.)	–	–

Sources: Chase CD rates (checked Nov 7, 2026) and Synchrony CD rates (checked Nov 7, 2026).

What $10,000 earns at each bank

Interest over the full term at the rates above, on the 13 terms both banks offer.

Interest earned on $10,000 at Chase vs Synchrony, by term
Term	Chase earns	Synchrony earns	Difference
3 months	$12.48 at 0.50%	$6.24 at 0.25%	Chase +$6.23
6 months	$111.87 at 2.25%	$207.84 at 4.20%	Synchrony +$95.97
9 months	$37.48 at 0.50%	$335.64 at 4.50%	Synchrony +$298.16
11 months	$228.93 at 2.50%	$22.91 at 0.25%	Chase +$206.02
1 year	$50.00 at 0.50%	$430.00 at 4.30%	Synchrony +$380.00
13 months	$347.12 at 3.20%	$466.66 at 4.30%	Synchrony +$119.53
14 months	$58.36 at 0.50%	$503.44 at 4.30%	Synchrony +$445.09
15 months	$250.62 at 2.00%	$565.63 at 4.50%	Synchrony +$315.01
18 months	$301.50 at 2.00%	$682.54 at 4.50%	Synchrony +$381.04
2 years	$404.00 at 2.00%	$941.16 at 4.60%	Synchrony +$537.16
3 years	$612.08 at 2.00%	$1,460.87 at 4.65%	Synchrony +$848.79
4 years	$824.32 at 2.00%	$1,993.80 at 4.65%	Synchrony +$1,169.48
5 years	$1,040.81 at 2.00%	$2,611.60 at 4.75%	Synchrony +$1,570.79

a 1-year CD earnings by deposit size

Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.

1 year CD interest at Chase vs Synchrony, by deposit size
Deposit	Chase earns	Synchrony earns
$1,000	$5.00 at 0.50%	$43.00 at 4.30%
$10,000	$50.00 at 0.50%	$430.00 at 4.30%
$25,000	$125.00 at 0.50%	$1,075.00 at 4.30%
$100,000	$500.00 at 0.50%	$4,300.00 at 4.30%

A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).

Early withdrawal penalties compared

Chase and Synchrony early withdrawal penalties by term
Term	Chase	Synchrony
Less than 6 months	90 days of interest	–
6 to 23 months	180 days of interest	–
24 months or more	365 days of interest	–
12 months or less	–	90 days of interest
More than 12 months but less than 48 months	–	180 days of interest
48 months or more	–	365 days of interest

Example: break a 1-year $10,000 CD after 6 months and Chase charges $24.60 (you keep $10,000.37) while Synchrony charges $103.82 (you keep $10,108.92). Chase caps the penalty at the interest earned. At Synchrony the penalty can reach your principal.

Rules verified against each bank's disclosure (Chase: checked 2026-11-04; Synchrony: checked 2026-11-06). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

More CD comparisons

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Chase vs Synchrony CD FAQs

Quick answers comparing Chase and Synchrony CDs.

Which pays more, Chase or Synchrony?

Synchrony pays the higher APY on 11 of the 13 terms both banks offer for a $10,000 deposit. Chase leads on 2. On a 1-year CD, $10,000 earns $50.00 at Chase (0.50%, relationship rate) and $430.00 at Synchrony (4.30%). Rates were checked Nov 7, 2026 for Chase and Nov 7, 2026 for Synchrony and change often.

How much more does $10,000 earn at Synchrony over 1 year?

Synchrony pays $380.00 more interest than Chase on a $10,000 1 year CD (4.30% vs 0.50% APY). Bigger deposits widen the gap at the same APY, though balance tiers can change the rate each bank pays.

Chase or Synchrony: which is better for a 5-year CD?

Chase pays 2.00% APY and Synchrony pays 4.75% APY on a 5-year term, so $10,000 earns $1,040.81 at Chase and $2,611.60 at Synchrony — a $1,570.79 difference. Long terms lock the rate in, so the early withdrawal penalty matters more: Chase charges 180 days of interest and Synchrony charges 90 days of interest on that term.

Which has the lower early withdrawal penalty, Chase or Synchrony?

On a 1-year CD withdrawn after 6 months, Chase's penalty is $24.60 and Synchrony's is $103.82, from rules verified against each bank's disclosure. Chase: Less than 6 months: 90 days of interest; 6 to 23 months: 180 days of interest; 24 months or more: 365 days of interest. Synchrony: 12 months or less: 90 days of interest; More than 12 months but less than 48 months: 180 days of interest; 48 months or more: 365 days of interest. Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

Are Chase and Synchrony CDs insured?

JPMorgan Chase Bank, N.A. is FDIC-insured (certificate #628) and Synchrony Bank is FDIC-insured (certificate #27314). Both cover deposits up to $250,000 per depositor, per institution, per ownership category, so a CD under that limit carries the same federal protection at either.

Are these the best CD rates available?

Not necessarily. The highest 1 year rate among the banks we track is 4.60% at Sallie Mae, versus 0.50% at Chase and 4.30% at Synchrony. Check the CD rates by bank directory on the CD calculator page for the full list.

Sources and how we calculate

Rates come from each bank's own rate page (Chase checked Nov 7, 2026, Synchrony checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.

Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.