Synchrony Bank



2019 Overview

General Online Bank Information

Deposits FDIC Insured Yes
Insured Bank Synchrony Bank
FDIC Certificate # 27314
Date Established 1988
Assets $91.79 billion
Loans $75.19 billion
Deposits $66.74 billion
Capital $12.21 billion
Money that you deposit is held by Synchrony Bank. Synchrony Bank is an FDIC insured institution founded in 1988. It has approximately $91.79 billion in assets.

For a more detailed analysis of Synchrony Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 24, 2019

Online Savings and Money Market Rates APY MIN MAX
Online CD Rates APY MIN MAX
12 Month CD
2.80% $2,000 - Learn MoreShow Less
18 Month CD
2.75% $2,000 - Learn MoreShow Less
2 Year CD
2.90% $2,000 - Learn MoreShow Less
36 Month CD
2.90% $2,000 - Learn MoreShow Less
48 Month CD
3.00% $2,000 - Learn MoreShow Less
60 Month CD
3.10% $2,000 - Learn MoreShow Less

Bank Offers

Synchrony Raises Savings Rate to 1.75%
Jun 6, 2018

Synchrony Bank has raised their online savings rate to 1.75%.


Synchrony Raises Its Online Savings Rate to 2.20%
Dec 26, 2018

Synchrony has raised its online savings rate to 2.20%.




Customer Reviews for Synchrony Bank (49)


  • M V Boyle

    April 05, 2019 |

    Online CDs 12 Month Rates

    I had a large tax payment (thanks to the Trump fucktard) and had prepared to cover it with a CD maturing at the end of March. I set up an electronic transfer from Synchrony to Wells Fargo to cover the payment on March 28 and I set up the tax payment for April 1. Synchrony didn't even transfer the money until today (April 5). They made over eight days on the float and caused me to be overdrawn at Wells Fargo, incurring hundreds of dollars in penalties. And, I was a Platinum client!

  • Liz

    March 23, 2019 |

    Online Savings Rates

    Through the years, I've had accounts with all of the biggies listed here and some of the smaller ones. Synchrony is the worst I have experienced (Barclays, Ally and Marcus are the best). It isn't just one transgression - it is ridiculous transfer delays (i.e., lost interest), fees for nothing and a completely absurd website. And, then now they aren't even competitive.

  • Stocked Reviews

    February 02, 2019 |

    Online Savings Rates

    All of the old reviews here are positive and the recent ones are terrible. I should have followed the recent ones. I have closed the account now. It felt like test-driving a Caddy pre-owned by someone who had passed away.

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