Synchrony vs Ally
Synchrony 12-Month CD pays 4.85% APY vs. Ally 12-Month CD's 4.60%. Synchrony 12-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: Competitive rate with easy online access
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.