Bank · FDIC insured
Synchrony Bank Savings Rates
Top CarrotSynchrony Bank’s best savings rate is 3.55% APY on $10,000, with its High Yield Savings. Rates checked October 22, 2026.
How Synchrony Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Synchrony Bank
3.55%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $355
High Yield Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Synchrony Bank savings score
96
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.55%
- $10,000 balance$10,0003.55%
- $100,000 balance$100,0003.55%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Synchrony Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Savings
3.55%APY
Offers apply to personal non-IRA accounts only. Rate may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOffers apply to personal non-IRA accounts only. Rate may change after the account is opened.Any balance | 3.55% | $355 | Offers apply to personal non-IRA accounts only. Rate may change after the account is opened. |
Sources (2)
All captured Oct 22, 2026
Money Market Account
2.00%APY
Offers apply to personal non-IRA accounts only. Rate may change after account is opened. Charges for specific services may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account is opened. Charges for specific services may reduce earnings.Any balance | 2.00% | $200 | Rate may change after account is opened. Charges for specific services may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Money Market Account
2.00%APY
Offers apply to personal accounts only. Rate may change after account is opened. Charges for specific services may reduce earnings. Available as Traditional or Roth IRA. Must call 1-866-226-5638 to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account is opened. Charges for specific services may reduce earnings. Must call 1-866-226-5638 to open.Any balance | 2.00% | $200 | Rate may change after account is opened. Charges for specific services may reduce earnings. Must call 1-866-226-5638 to open. |
Sources (2)
- synchrony.com/banking/products/ira-rates-and-terms
- synchrony.com/banking/products…ira-money-market-account
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.