Synchrony Bank Savings (HYSA) Rate
Synchrony Bank's savings account pays 3.75% APY as of November 6, 2026, checked 17 hours ago. Since RateBrain began tracking it in 2009, this savings account has paid as much as 4.75% (Sep 2023) and as little as 0.45% (Jul 2010). It is currently above the median savings rate we track (3.55% across 167 banks).
3.75% APY
up from 3.55% on Oct 27
- Last checked
- Nov 6 · 17 hours ago
- Minimum deposit
- None
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See the full Synchrony Bank Savings (HYSA) rate history »
Synchrony Bank Savings (HYSA) Rate - Rate History
Now 3.75% APY
- All-time high 4.75% (Sep 2023)
- Low 0.45% (Jul 2010)
- 1-year change −0.05
- 59 changes
- Tracked since May 2009
- Full rate history »
The gray line is the median savings rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 27, 2026 | 3.75% | +0.20 |
| September 30, 2026 | 3.55% | +0.25 |
| June 23, 2026 | 3.30% | −0.10 |
| May 9, 2026 | 3.40% | −0.10 |
| February 4, 2026 | 3.50% | −0.15 |
| December 10, 2025 | 3.65% | −0.15 |
| June 6, 2025 | 3.80% | −0.20 |
| February 5, 2025 | 4.00% | −0.10 |
| November 26, 2024 | 4.10% | −0.20 |
| October 2, 2024 | 4.30% | −0.20 |
| September 12, 2024 | 4.50% | −0.15 |
| August 6, 2024 | 4.65% | −0.10 |
| September 23, 2023 | 4.75% | +0.25 |
| July 12, 2023 | 4.50% | +0.20 |
| June 7, 2023 | 4.30% | +0.15 |
| May 10, 2023 | 4.15% | +0.15 |
| March 26, 2023 | 4.00% | +0.25 |
| December 25, 2022 | 3.75% | +2.05 |
| January 16, 2020 | 1.70% | −0.10 |
| November 26, 2019 | 1.80% | −0.10 |
Show all 59 changes
| Date | APY | Change |
|---|---|---|
| October 16, 2019 | 1.90% | −0.10 |
| September 6, 2019 | 2.00% | −0.15 |
| July 17, 2019 | 2.15% | −0.10 |
| February 11, 2019 | 2.25% | +0.05 |
| January 9, 2019 | 2.20% | +0.15 |
| November 7, 2018 | 2.05% | +0.15 |
| October 4, 2018 | 1.90% | +0.05 |
| August 8, 2018 | 1.85% | +0.10 |
| June 13, 2018 | 1.75% | +0.10 |
| May 9, 2018 | 1.65% | +0.10 |
| March 5, 2018 | 1.55% | +0.10 |
| January 10, 2018 | 1.45% | +0.15 |
| September 21, 2017 | 1.30% | +0.10 |
| August 4, 2017 | 1.20% | +0.05 |
| July 6, 2017 | 1.15% | +0.10 |
| September 6, 2015 | 1.05% | +0.20 |
| May 21, 2014 | 0.85% | −0.10 |
| March 3, 2014 | 0.95% | +0.10 |
| February 28, 2012 | 0.85% | +0.10 |
| June 20, 2011 | 0.75% | +0.10 |
| January 31, 2011 | 0.65% | −0.25 |
| December 1, 2010 | 0.90% | −0.10 |
| October 28, 2010 | 1.00% | +0.25 |
| September 29, 2010 | 0.75% | +0.30 |
| July 7, 2010 | 0.45% | −0.15 |
| April 21, 2010 | 0.60% | −0.15 |
| March 11, 2010 | 0.75% | −0.10 |
| February 23, 2010 | 0.85% | −0.05 |
| January 26, 2010 | 0.90% | −0.10 |
| December 2, 2009 | 1.00% | −0.15 |
| November 10, 2009 | 1.15% | −0.10 |
| July 27, 2009 | 1.25% | +0.35 |
| July 17, 2009 | 0.90% | +0.10 |
| July 15, 2009 | 0.80% | −0.10 |
| June 8, 2009 | 0.90% | −0.50 |
| June 2, 2009 | 1.40% | −0.10 |
| May 18, 2009 | 1.50% | −0.25 |
| May 12, 2009 | 1.75% | −0.15 |
| May 10, 2009 | 1.90% | first tracked |
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ShareOther Synchrony Bank rates
- 3 Month CD0.25%
- 6 Month CD4.20%
- 9 Month CD4.50%
- 1 Year CD4.30%
- 14 Month CD4.40%
- 15 Month CD4.50%
- 18 Month CD4.50%
- 2 Year CD4.60%
- 3 Year CD4.65%
- 4 Year CD4.65%
- 5 Year CD4.75%
- Money Market Account2.00%
Other savings rates
Common questions
What is the Synchrony Bank savings account rate today?
The Synchrony Bank savings account pays 3.75% APY as of November 6, 2026, checked 17 hours ago.
How does the Synchrony Bank savings account compare with other savings accounts?
It pays 3.75% APY. The median across the 167 savings account rates RateBrain tracks is 3.55%, so it is 0.20 percentage points above the median.
What has the Synchrony Bank savings account paid over time?
Since RateBrain began tracking it in 2009, it has paid as much as 4.75% (Sep 2023) and as little as 0.45% (Jul 2010).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.