FDIC-insured - Backed by the full faith and credit of the U.S. GovernmentSaving is always
a great play.
Great Rate
Reach your savings goals sooner with our
High Yield Savings
- 3.65%
APY*
No fees. No minimum balance.
Learn More
about this special offer
Explore our FDIC-insured savings products
High Yield Savings
Earn interest and access via ATM, online, and more.- No minimum balance.
Certificates of Deposit (CD)
- Lock in your rate today and make your money work for you.
- No minimum balance.
Certificates of Deposit (CD)
- Lock in a rate that’s right, right now.
- No minimum balance.
Stop, we're blushing–but here are some of the most recent awards our products have earned:
We can help you achieve your goals
Wherever you are in your savings journey, our smart products can help you make tomorrow brighter. Let's get you there together.
START SAVING NOW
Respecting your data, without compromise.
At Synchrony Bank, we’re committed to helping you secure your financial future. That starts with keeping your deposits and your data safe—ensuring you always have access to your account and its information.
FDIC Insurance
Your deposits are protected, up to $250,000 per depositor, per ownership category.
Enhanced security
We employ advanced data security protocols, including robust encryption and authentication requirements, to keep your data continually protected.
Fraud protection
For even more peace of mind, your account comes with complimentary identity theft resolution services, too.
Access accounts
anywhere, anytime
Doing more for you—whether online or in the Synchrony Bank app—to keep you in control no matter what.
Check balances, transfer funds, deposit checks, and pay your bills from almost anywhere, 24/7.
That's banking in sync with you.
See how the power of Synchrony can work for you
-
Stay in ControlIn today’s world, we’re all trying to hold on and figure out what’s next. See how Synchrony Bank helps you bank on your terms. -
Save for the sweetest rewardsMeet Pete and Emma: two lemonade enthusiasts—with a smart savings account. See their story in our original short film ‘The Lemonade Stand’ now. -
Building your best bankYou told us what it takes to make a great bank. And we agree! Hear what they said and see if it’s what you’re looking for from your bank, too.
Be in the know about making your money grow
How Fed Interest Rate Decisions Impact CD Accounts
Written by Eric Rosenberg
Oct 01, 2024 | 5 minute
What Do Lower Interest Rates Mean for You?
Written by Eric Rosenberg
Oct 15, 2024 | 5 minute
What Is a High Yield Savings Account? Pros, Cons and How It Works
Written by Kat Tancock
Jul 15, 2025 | 6 minute
*DISCLOSURES:
ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of 11/28/2025.
APYs are subject to change at any time without notice. Offers apply to personal non-IRA accounts only. Charges for specific services may reduce earnings. For High Yield Savings Accounts, the rate may change after the account is opened. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time.
FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.
IDENTITY THEFT RESOLUTION SERVICES: Identity Theft Resolution Services are offered free through Sontiq, a TransUnion company, for Synchrony Bank deposit customers.
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AWARDS: Click here to see our awards page for details.