Synchrony Bank Savings Rate History (2009–2026)
RateBrain has recorded 57 rate changes for Synchrony Bank's savings account since May 10, 2009. Its highest rate was 4.75% (Sep 2023) and its lowest 0.45% (Jul 2010). It pays 3.30% APY today, last changed on June 23, 2026. That is down 0.50 percentage points from a year ago.
Current Synchrony Bank savings account rate »Synchrony Bank rate history »Savings rate history »
Rate history chart
Now 3.30% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.65% | 3.30% | 3.30% | 3 |
| 2025 | 4.10% | 3.65% | 3.65% | 3 |
| 2024 | 4.75% | 4.10% | 4.10% | 4 |
| 2023 | 4.75% | 3.75% | 4.75% | 5 |
| 2022 | 3.75% | 1.70% | 3.75% | 1 |
| 2021 | 1.70% | 1.70% | 1.70% | 0 |
| 2020 | 1.80% | 1.70% | 1.70% | 1 |
| 2019 | 2.25% | 1.80% | 1.80% | 6 |
| 2018 | 2.05% | 1.30% | 2.05% | 7 |
| 2017 | 1.30% | 1.05% | 1.30% | 3 |
| 2016 | 1.05% | 1.05% | 1.05% | 0 |
| 2015 | 1.05% | 0.85% | 1.05% | 1 |
| 2014 | 0.95% | 0.85% | 0.85% | 2 |
| 2013 | 0.85% | 0.85% | 0.85% | 0 |
| 2012 | 0.85% | 0.75% | 0.85% | 1 |
| 2011 | 0.90% | 0.65% | 0.75% | 2 |
| 2010 | 1.00% | 0.45% | 0.90% | 8 |
| 2009 | 1.90% | 0.80% | 1.00% | 10 |
All 57 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 |
| 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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