Synchrony Bank Savings Rate
Synchrony Bank's savings account pays 3.30% APY as of September 21, 2026, checked 1 day ago. The rate was lowered from 3.40% on June 23, 2026. 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 below the median savings rate we track (3.35% across 61 banks).
3.30% APY
down from 3.40% on Jun 23
- Last checked
- Sep 21 · 1 day ago
- Minimum deposit
- None
Rate history
Now 3.30% APY
- All-time high 4.75% (Sep 2023)
- Low 0.45% (Jul 2010)
- 1-year change −0.50
- 57 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 |
|---|---|---|
| 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 |
| October 16, 2019 | 1.90% | −0.10 |
| September 6, 2019 | 2.00% | −0.15 |
Show all 57 changes
| Date | APY | Change |
|---|---|---|
| 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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Copy linkOther Synchrony Bank rates
- 6 Month CD4.10%
- 1 Year CD4.10%
- 14 Month CD4.15%
- 16 Month CD4.30%
- 2 Year CD4.10%
- 3 Year CD4.10%
- 4 Year CD4.10%
- 5 Year CD4.35%
- Money Market Account2.00%
Other savings rates
- MySavingsDirect4.35%
- Betterment4.25%
- Newtek Bank4.20%
- Wealthfront4.20%
- Goldwater Bank4.15%
- Total Direct Bank4.01%
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.