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 accuracy note (added September 16, 2026): synchronybank.com could not be reached for live verification this session (repeated timeouts). Every online bank independently verified in this same audit (Ally, Schwab, Fidelity) saw its savings/money-market yield fall from roughly 4.5%+ to the 3.0%-3.6% range between earlier 2026 and September 2026 as the Federal Reserve cut rates. Synchrony’s savings and CD APYs below (~4.00%-4.60%) were not independently reverified this session and are likely stale for the same reason — confirm the current rate directly at synchronybank.com before relying on any figure below.
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 — terms, bump-up, no-penalty CDs
- Synchrony Bank minimum balance 2026 — $0 required
- Synchrony Bank vs Marcus 2026 — full savings comparison
- Synchrony Bank ATM limit 2026 — $1,000/day, Allpoint
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