Rate updated · 103 banks tracked
Synchrony savings account rate: 3.30% APY
Synchrony pays 3.30% on its savings account — ranking in the upper half of the 103 banks SwitchWize tracks, where the best available rate is 4.28%. (Updated August 2, 2026.)
Is Synchrony a good savings rate? Not really. At 3.30% it trails the 4.28% best available rate, leaving about $246 a year on the table on a $25,000 balance.
The gap, in your dollars
At 3.30%, $25,000 earns $825/yr here versus $1,071/yr at the field leader — a $246/yr difference.
See your exact number →Higher-paying alternatives we track
Rates subject to change. Verify before switching.
Frequently asked questions
What is Synchrony's savings account interest rate?▾
Synchrony pays 3.30% APY on its savings account as of August 2, 2026, based on rates SwitchWize tracks across 103 banks.
Is Synchrony's savings rate good?▾
Synchrony's 3.30% ranks in the upper half of tracked banks. The best available rate is 4.28% and the FDIC national average is 0.38%.
Which banks pay more than Synchrony?▾
Higher-paying tracked options include dollarsavingsdirect, mysavingsdirect, robinhood. Compare rates at /banks to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.