Synchrony High Yield Savings
A long-standing U.S. bank with a high-yield savings account that includes an ATM card.
APY
4.35%
Updated 1d agoEditor rating
4.2 / 5
Insurance
FDIC
Cert #27314
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APY history
0 snapshotsNo rate history yet — checking daily.
Editor's Verdict
Synchrony is the only top-10 HYSA on our list that ships with an ATM card by default — useful if you want true cash access from a savings account. APY is competitive but not category-leading.
By HYSA Compare Editorial Team · APY verified on 2026-04-06T00:00:00.000Z
Pros
- + ATM card available (rare for online savings)
- + No minimums or fees
- + Established institution
Cons
- − No checking account integration
- − Customer service quality is mixed
What you'd earn at Synchrony Bank
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$4,059
Final balance
$29,059
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,494 | $494 |
| 2 | $16,000 | $17,141 | $1,141 |
| 3 | $19,000 | $20,946 | $1,946 |
| 4 | $22,000 | $24,916 | $2,916 |
| 5 | $25,000 | $29,059 | $4,059 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Account details
- Institution type
- BANK
- Minimum opening deposit
- $0
- Min. balance to earn APY
- $0
- Monthly fee
- $0.00
- Compounding
- daily
- ATM access
- Yes
- Check writing
- No
- Mobile app
- Yes