Synchrony Bank High Yield Savings earns approximately 4.50% APY in 2026 — consistently among the top available rates. No minimum balance, no monthly fee, no conditions. Interest compounds daily.
Synchrony HYSA Rate Details
| Detail | Amount |
|---|---|
| APY (2026) | ~4.50% |
| Compounding | Daily |
| Crediting | Monthly |
| Minimum balance | $0 |
| Monthly fee | $0 |
| Direct deposit required | No |
Interest Earnings at 4.50% APY
| Balance | Monthly Interest | Annual Interest |
|---|---|---|
| $1,000 | ~$3.75 | ~$45 |
| $5,000 | ~$18.75 | ~$225 |
| $10,000 | ~$37.50 | ~$450 |
| $25,000 | ~$93.75 | ~$1,125 |
| $50,000 | ~$187.50 | ~$2,250 |
| $100,000 | ~$375.00 | ~$4,500 |
Savings Rate Comparison (2026)
| Institution | APY | ATM Access | Fee |
|---|---|---|---|
| Synchrony | ~4.50% | ✅ | $0 |
| SoFi HYSA | ~4.20%* | ❌ | $0 |
| Marcus | ~4.10% | ❌ | $0 |
| AmEx HYSA | ~4.00% | ❌ | $0 |
| Ally HYSA | ~4.00% | ❌ | $0 |
| National avg (FDIC) | ~0.57% | — | — |
*SoFi requires direct deposit; Synchrony has no conditions.
Related Guides
- Synchrony Bank CD rates 2026 — terms, bump-up, no-penalty CDs
- Synchrony Bank minimum balance 2026 — $0 required
- Synchrony Bank vs Marcus 2026 — full savings comparison
- Synchrony Bank ATM limit 2026 — $1,000/day, Allpoint
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