Synchrony Bank Rates —
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Synchrony Bank is a large online bank — the direct-banking arm of Synchrony Financial — that we track for YourBestSavings. It charges no monthly fees and sets no minimum to open, and it is unusual among online banks in giving its High Yield Savings account an ATM card. Below is its full lineup of savings, money market, and CDs, ranked by the ByTheMath score and verified daily against Synchrony’s published rates. We rank by the math; no institution pays to appear or move up.
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What stands out at Synchrony
Synchrony’s High Yield Savings is unusual for an online account in that it comes with an ATM card and reimburses some domestic ATM fees — handy if you want easier cash access than most online savings allow. Its CD shelf is broad, from 3 months to 5 years with no minimum to open, and includes a Bump-Rate CD and a No-Penalty CD. Worth noting: some of the promotional and no-penalty rates are low right now, so the standard CD terms currently carry the best returns — the ranking below sorts that out for you.
How we rank these accounts
Every account is scored by the ByTheMath method — APY weighted most heavily, then accessibility and flexibility — and grouped by type below, best first. Effective APY reflects the rate you would actually earn after any balance caps or conditions, which is why a capped or conditional rate does not automatically outrank a straightforward one. No commission ever changes the order; see our affiliate disclosure and methodology.
Fees, access & insurance
Synchrony charges no monthly maintenance fees and requires no minimum to open, and deposits are FDIC insured up to $250,000 per depositor, per ownership category. Accounts are managed online and by phone; there are no branches, but the savings ATM card provides cash access. Use the insurance calculator to check coverage across multiple accounts.
Yes. Synchrony Bank is a member FDIC bank, with deposits protected up to $250,000 per depositor, per ownership category.
Yes — unusually for an online savings account, Synchrony’s High Yield Savings includes an ATM card and reimburses some domestic ATM fees, making cash access easier than at most online banks.
No. Synchrony is an online-only bank; accounts are managed through its website, app, and phone support.
Daily. Each account shows the date its APY was last verified against Synchrony’s own rate page. Promotional CD rates in particular can change without notice, so we re-check every day.
See where its accounts land against the whole market on our high-yield savings, CD rate, and money market rankings.