All savings
Online bank FDIC insured

Synchrony Bank

High Yield Savings

Synchrony Bank offers a top-tier APY plus an ATM card — uncommon for online savings accounts.

4.65%
Annual Percentage Yield
Minimum deposit
$0
Monthly fee
None
Compounding
Daily

Pros

  • Excellent APY
  • ATM card available
  • No minimum

Cons

  • No physical branches

Account terms

Bank type
Online bank
FDIC insured
Yes — up to $250,000
Availability
Nationwide
Withdrawal limit
6 per month

National rate curve

Comparing 8 active high-yield savings accounts

Top 25% nationally

Deposit calculator

See how much you'd earn at 4.65% APY, compounded daily.

1 year
$10,476
+ $476 earned
3 years
$11,497
+ $1,497 earned
5 years
$12,617
+ $2,617 earned

Rates and terms are illustrative. Always verify with Synchrony Bank before applying.