Compare CD Rates & Fixed Deposits: Synchrony Bank vs Chase (2026)


Synchrony Bank VS Chase


Chase vs Synchrony Bank: Overview & Banking Footprint

When comparing Chase and Synchrony Bank in the CD Rates & Fixed Deposits market, both financial institutions offer distinct advantages across interest rates, fee transparency, digital banking tools, and customer rewards.

Chase has built a reputation around consistent financial reliability and broad account servicing, while Synchrony Bank emphasizes competitive yields, low maintenance fees, and streamlined mobile account management across its CD Rates & Fixed Deposits lineup.

Interest Rates, APY/APR & Fee Structures Compared

Choosing between Chase and Synchrony Bank comes down to your personal financial priorities: annual percentage yields (APY), borrowing APRs, monthly fee waivers, ATM/branch convenience, and welcome bonuses. Reviewing each bank's specific aspect ratings below provides deeper insight into where each institution leads.

Pros & Cons Comparison

Chase

  • Established regulatory protection and deposit security
  • Comprehensive suite of CD Rates & Fixed Deposits options
  • Strong customer satisfaction and dispute support

Synchrony Bank

  • Competitive rate structure and low everyday account fees
  • Intuitive mobile app and fast digital onboarding
  • Attractive loyalty rewards and account perks

Final Verdict: Which Bank Should You Choose?

For customers who prioritize full-service relationship banking and established institutional reach, Chase is a standout choice. Conversely, if you are looking to maximize rates while minimizing monthly fees in CD Rates & Fixed Deposits, Synchrony Bank delivers a highly compelling value proposition.

Chase CD Rates & Fixed Deposits Overview

When evaluating Chase for CD Rates & Fixed Deposits, our financial analysts examined interest rates, annual and monthly fees, customer satisfaction scores, and digital banking tools.

JPMorgan Chase Bank is the largest retail and commercial bank in the United States, serving over 80 million consumers with more than 4,700 branches and 15,000 ATMs. Chase's Ultimate Rewards ecosystem - anchored by the Chase Sapphire Preferred, Sapphire Reserve, and Freedom Unlimited cards - is widely considered the gold standard in flexible travel and cashback rewards.

Chase also provides comprehensive checking, mortgage lending, auto financing, and J.P. Morgan Wealth Management services.

Synchrony Bank CD Rates & Fixed Deposits Overview

Synchrony Bank CD Rates & Fixed Deposits Review & Rating (9.3/10)

In our comprehensive evaluation of Synchrony Bank CD Rates & Fixed Deposits, Synchrony Bank earns an overall category score of 9.3/10. Synchrony Bank is a major consumer financial services issuer offering flat 2% Premier World Mastercard cash back, high-yield online savings accounts, and flexible bump-up and no-penalty CDs.

Synchrony Bank CD Rates & Fixed Deposits Aspect Breakdown

  • Interest Rates & APY (9.2/10): Synchrony Bank is an industry leader in Interest Rates & APY within CD Rates & Fixed Deposits, scoring 9.2/10 thanks to highly competitive rates, transparent terms, and standout customer value.
  • Fees & Minimums (9.5/10): Synchrony Bank is an industry leader in Fees & Minimums within CD Rates & Fixed Deposits, scoring 9.5/10 thanks to highly competitive rates, transparent terms, and standout customer value.
  • Customer Service (8.9/10): Synchrony Bank delivers strong above-average performance for Customer Service (8.9/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.
  • Mobile App & Digital Banking (9.2/10): Synchrony Bank is an industry leader in Mobile App & Digital Banking within CD Rates & Fixed Deposits, scoring 9.2/10 thanks to highly competitive rates, transparent terms, and standout customer value.
  • Rewards & Perks (9.5/10): Synchrony Bank is an industry leader in Rewards & Perks within CD Rates & Fixed Deposits, scoring 9.5/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Bottom Line Verdict

Whether you are comparing Synchrony Bank's CD Rates & Fixed Deposits for everyday value, low fees, or digital banking convenience, Synchrony Bank stands out as a competitive choice in United States. Compare individual Synchrony Bank accounts and head-to-head bank matchups below.

Synchrony Bank vs Chase: Key Banking Specifications

Bank
Synchrony Bank logo
Chase logo
Overall Rating

4.9

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Savings APY / AER

0.01% - 4.00% APY

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Deposit Insurance

FDIC Insured ($250k)

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Aspect-by-Aspect Rating & Analysis (CD Rates & Fixed Deposits)

Overall

Synchrony Bank

9.3 / 10.0

Synchrony Bank achieves an overall rating of 9.3/10 in CD Rates & Fixed Deposits based on interest rates, fees, digital tools, customer service, and rewards.

Chase

7.2 / 10.0

Overall composite rating across rates, fees, service, digital banking, and rewards.

Comparing Chase and Synchrony Bank across Overall in CD Rates & Fixed Deposits provides crucial perspective for savers and borrowers deciding between two leading financial institutions. Chase combines broad institutional resources with dependable account servicing, while Synchrony Bank delivers agile digital features and competitive everyday terms.

Interest Rates & APY

Synchrony Bank

9.2 / 10.0

Synchrony Bank is an industry leader in Interest Rates & APY within CD Rates & Fixed Deposits, scoring 9.2/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Chase

5.2 / 10.0

Standard CD rates at Chase are among the lowest in the market, often hovering near nominal minimums. While relationship rates offer a modest boost for existing account holders, yields consistently trail top high-yield competitors.

Comparing interest rates and annual percentage yields (APY/APR) between Chase and Synchrony Bank in CD Rates & Fixed Deposits highlights how each institution structures returns for savers and borrowing costs for credit customers. Chase focuses on competitive relationship tiers and promotional intro periods, while Synchrony Bank emphasizes consistent everyday rate competitiveness across standard account balances.

Before applying, compare both the headline introductory APR/APY and the ongoing standard variable rate to ensure your CD Rates & Fixed Deposits account remains rewarding over the long term.

Fees & Minimums

Synchrony Bank

9.5 / 10.0

Synchrony Bank is an industry leader in Fees & Minimums within CD Rates & Fixed Deposits, scoring 9.5/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Chase

6.5 / 10.0

The standard minimum deposit of $1,000 creates a moderate barrier to entry for smaller savers. Early withdrawal penalties are standard for brick-and-mortar banks but can substantially erode earned interest on shorter-term certificates.

Fee transparency and minimum balance thresholds are crucial when evaluating Chase versus Synchrony Bank for CD Rates & Fixed Deposits. Chase offers clear fee waiver pathways through qualifying direct deposits or combined relationship balances, whereas Synchrony Bank focuses on keeping monthly maintenance fees, overdraft charges, and foreign transaction costs to a minimum.

Customers who prefer zero-hurdle banking with $0 / £0 monthly maintenance requirements should weigh each bank's fee schedule against their typical monthly balance.

Customer Service

Synchrony Bank

8.9 / 10.0

Synchrony Bank delivers strong above-average performance for Customer Service (8.9/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.

Chase

8.7 / 10.0

Chase offers superior support through its extensive nationwide branch network alongside reliable 24/7 phone assistance. Depositors benefit from personalized access to bankers for CD maturity and rollover consultations.

Customer service quality in CD Rates & Fixed Deposits reflects how effectively Chase and Synchrony Bank handle fraud alerts, billing disputes, and account inquiries. Chase backs its accounts with dedicated 24/7 telephone specialists and in-person branch advisors, while Synchrony Bank provides rapid in-app live chat support and streamlined digital dispute resolution.

Both institutions maintain strong satisfaction scores among account holders and provide full zero-liability fraud protection.

Mobile App & Digital Banking

Synchrony Bank

9.2 / 10.0

Synchrony Bank is an industry leader in Mobile App & Digital Banking within CD Rates & Fixed Deposits, scoring 9.2/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Chase

9.4 / 10.0

The Chase mobile app is an industry-leading platform that makes opening, tracking, and managing fixed deposits seamless. Users benefit from robust security protocols, maturity alerts, and intuitive self-service renewal settings.

Digital banking capabilities play a central role in managing CD Rates & Fixed Deposits with Chase and Synchrony Bank. Both banks deliver highly rated iOS and Android mobile apps featuring biometric authentication, instant card lock/unlock controls, mobile check deposit, and real-time transaction notifications.

Chase excels in comprehensive wealth and multi-account dashboards, while Synchrony Bank stands out for automated savings tools, credit score monitoring, and intuitive everyday navigation.

Rewards & Perks

Synchrony Bank

9.5 / 10.0

Synchrony Bank is an industry leader in Rewards & Perks within CD Rates & Fixed Deposits, scoring 9.5/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Chase

6.0 / 10.0

CDs offer limited standalone perks, though linking them can help meet balance thresholds to waive fees on premium checking tiers. The primary reward is relationship pricing, though the resulting rate hike remains relatively modest.

When comparing rewards, welcome bonuses, and account perks in CD Rates & Fixed Deposits, Chase and Synchrony Bank cater to slightly different spending and saving habits. Chase emphasizes flexible points, travel protections, and relationship bonus multipliers, whereas Synchrony Bank focuses on straightforward flat-rate cashback, merchant offers, and fee rebates.

Matching your monthly spending categories and redemption preferences to each bank's loyalty ecosystem will maximize your annual return.