Synchrony Bank High Yield Savings paid 3.30% APY in late September 2026. No minimum balance, no monthly fee, no conditions. Interest compounds daily.
Rate note (updated October 15, 2026): The Motley Fool listed Synchrony’s High Yield Savings at 3.30% APY, as of the date in the Sources box. Synchrony’s CD page loads its APYs dynamically, so we could not read CD rates, and this site lists none. Confirm the current rate directly at synchronybank.com before relying on any figure.
Synchrony HYSA Rate Details
| Detail | Amount |
|---|---|
| APY | 3.30% |
| Compounding | Daily |
| Crediting | Monthly |
| Minimum balance | $0 |
| Monthly fee | $0 |
| Direct deposit required | No |
Interest Earnings at the Current APY
| Balance | Annual Interest at 3.30% |
|---|---|
| $1,000 | $33 |
| $5,000 | $165 |
| $10,000 | $330 |
| $25,000 | $825 |
| $50,000 | $1,650 |
| $100,000 | $3,300 |
Savings Rate Comparison (2026)
| Institution | APY | ATM Access | Fee |
|---|---|---|---|
| Synchrony | 3.30% | ✅ | $0 |
| SoFi HYSA | 3.30%* | ❌ | $0 |
| Marcus | 3.50% | ❌ | $0 |
| AmEx HYSA | ~3.10% | ❌ | $0 |
| Ally HYSA | 3.10% | ❌ | $0 |
| National avg (FDIC) | 0.37% | — | — |
*SoFi requires direct deposit; Synchrony has no conditions.
Related Guides
- Synchrony Bank CD rates 2026 — penalties, minimum and what its CD page says
- Synchrony Bank ATM limit 2026 — $1,000/day, Allpoint
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