Barclays vs Synchrony CD Comparison
Updated August 6, 2026 · Rates from official provider sources
Barclays has the higher rate right now.
The APY gap is 0.15%. On a $25,000 balance, that is about $38/year. If the dollar difference is small, choose based on transfer speed, app fit, and whether you want other accounts in the same place.
Barclays 1-Year CD
Barclays
Synchrony 1-Year CD
Synchrony
Dollar Difference by Balance
| Balance | Barclays | Synchrony | Difference |
|---|---|---|---|
| $10,000 | $415/yr | $400/yr | $15/yr |
| $25,000 | $1,038/yr | $1,000/yr | $38/yr |
| $50,000 | $2,075/yr | $2,000/yr | $75/yr |
| $100,000 | $4,150/yr | $4,000/yr | $150/yr |
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Full disclosure →SoFi Checking & Savings
SoFi
Based on your savings balance, this account maximizes your yield with FDIC protection.
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How to read this comparison
The rate table is useful for the math, but it is not the whole decision. Confirm current APY, transfer timing, account availability, minimum balance rules, and any linked-account requirements before opening. Rates can change after this page refreshes.
FAQ
Which is better, Barclays or Synchrony?
Barclays currently pays 4.15% APY vs Synchrony at 4.00% APY — a 0.15% point advantage. On $25,000, that difference is $38 per year.
Are Barclays and Synchrony FDIC insured?
Yes, both accounts are FDIC insured up to $250,000 per depositor, per ownership category.
Can I have accounts at both?
Yes. There is no limit on how many 12-month CD accounts you can hold across different banks.