Synchrony vs Ally

Synchrony 18-Month CD pays 4.85% APY vs. Ally 12-Month CD's 4.60%. Synchrony 18-Month CD wins on rate; Ally 12-Month CD carries a stronger brand reputation.

Option A

Synchrony

4.35%

APY

Min: $0
Fee: $0/mo
FDIC: Yes

Best for: rate-maximizing savers

Open with Synchrony →

Option B

Ally

4.15%

APY

Min: $0
Fee: $0/mo
FDIC: Yes

Best for: savers who prefer well-known institutions

Open with Ally →

How this comparison was built

Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 5/7/2026.

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