search icon Back to Synchrony Home

Get growing.

Great Rate Reach your savings goals sooner with our High Yield Savings - % APY* No fees. No minimum balance. Learn More

Explore our FDIC-insured savings products

Save with flexibility and security without fees to slow your progress.
% APY *

High Yield Savings

  • Earn interest and access via ATM, online, and more.
  • No minimum balance.
LEARN MORE
% APY *

Certificates of Deposit (CD)

  • Lock in your rate today and make your money work for you.
  • No minimum balance.
LEARN MORE
% APY *

Money Market Accounts

  • Access cash and write checks while you earn interest.
  • No minimum balance.
LEARN MORE

Stop, we're blushing–but here are some of the most recent awards our products have earned:

Best Online Bank 2024 - GoBankingRates
Best Savings Accounts 2024 - MoneyRates
Best Money Market Account 2024 - GoBankingRates
Best CD Account 2024 - MoneyRates
Best CD Account 2024 - GoBankingRates
Best CD Account 2024 - MyBankTracker
Best CD Account 2025 - GOBankingRates
Best Bank for CD’s 2023 - Nerd Wallet
2024 Forbes Advisor 4-Star Review
Best Online Savings Account 2023 - The Ascent
Best High Yield Savings Account 2024 - CNBC Select

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
Competitive rates
Grow your savings (even more) with rates that consistently outperform traditional savings accounts.
No minimum balance
Whether you deposit a lot or a little is entirely up to you.
No monthly fees
You’re able to hold on to more of what you earn, and what you deposit will always be yours to grow.
Flexible Access
Enjoy the flexibility of being able to easily withdraw or transfer funds whenever you need them.

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.

START SAVING NOW

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.

Download Synchrony IOS App Download Synchrony Android App

See how the power of Synchrony can work for you

  • video play/pause image - Stay in Control
    Stay in Control
    In 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.
  • video play/pause image - Revisit the Basics
    Revisit the Basics
    If you’re taking another look at your finances, it may be time to rethink how you’ve been approaching your budgeting.
  • video play/pause image - Save with Success
    Save with Success
    We want you to know how good it feels when you stick to saving. See what our customers are saying about how they’ve been able to save successfully

Be in the know about making your money grow

*DISCLOSURES:

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

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 Money Market and 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. See all non-IRA CD rates and terms offered here.

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 CyberScout® for Synchrony Bank deposit customers.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Google Play and the Google Play logo are trademarks of Google LLC.

GOBANKINGRATES.COM: © 2025 GOBankingRates. All Right Reserved.

FORBES: © 2024 Forbes Media LLC. All Rights Reserved. Used with Permission.

MONEYRATES: © 2024 MoneyRates.

MYBANKTRACKER.COM: © 2024 MoneyRates.

NERDWALLET: © 2024 NerdWallet, Inc. All Rights Reserved.

AWARDS: Click here to see our awards page for details.