Axos Bank vs Synchrony Bank
High-Yield Savings Account Comparison

Compare Axos Bank's vs Synchrony Bank's Savings Accounts

  • Affirm - 3.85% APY
  • All America Bank - 1.50-3.25% APY
  • Ally Bank - 3.60% APY
  • Amalgamated Bank - 2.25% APY
  • American Express - 3.60% APY
  • Bank5 Connect - 4.05% APY
  • Bank of America - 0.01% APY
  • Barclays - 4.00-4.20% APY
  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
  • BMO Alto - 3.60% APY
  • Bread Savings - 4.30% APY
  • BrioDirect - 4.30% APY
  • Capital One - 3.60% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.11% APY
  • CIT Bank - 0.25-4.10% APY
  • Citibank - 3.60% APY
  • Citizens Access™ - 3.70% APY
  • Colorado Federal Savings Bank - 4.25% APY
  • ConnectOne Bank - 4.00% APY
  • Customers Bank - 4.23% APY
  • Discover Bank - 3.60% APY
  • E*TRADE from Morgan Stanley - 4.00% APY
  • EverBank - 4.30% APY
  • Evergreen Bank Group - 4.25% APY
  • First Foundation Bank - 4.25% APY
  • Fitness Bank - 5.00% APY
  • Flagstar Bank - 4.00% APY
  • Forbright Bank - 4.25% APY
  • FVCbank - 4.45% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.40-4.40% APY
  • Live Oak Bank - 4.10% APY
  • Marcus by Goldman Sachs - 3.75% APY
  • My Banking Direct - 4.40% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 4.56% APY
  • Openbank - 4.40% APY
  • Peak Bank - 4.44% APY
  • Pibank - 4.60% APY
  • PNC - 3.95% APY
  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.05% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.15% APY
  • Primis Bank - 4.35% APY
  • Quontic Bank - 3.85% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.65% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • SoFi Bank - 3.80% APY
  • TAB Bank - 4.26% APY
  • TD Bank - 0.05-3.25% APY
  • The State Exchange Bank - 3.90% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.40% APY
  • Varo Bank - 2.50-5.00% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
BankAxos Bank
Synchrony Bank
ProductHigh Yield Savings
APY
4.66% (as of 5/27/2025)4.00% (as of 5/27/2025)
Bundled Account
YesNo
FDIC-insured
YesYes
Online OnlyYesYes
Compound Frequency
DailyDaily
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$0
Direct Deposit Required
Yes. Min. $1,500/month to ONE Checking.No
App Store Rating4.7/54.8/5
Google Play Rating4.4/54.7/5
BBB RatingA+Not Rated
NoteThis APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY.N/A
VisitAxos Bank's Axos ONESynchrony Bank's High Yield Savings

Historical APY Insights (1-Year)

Axos BankSynchrony Bank
ProductHigh Yield SavingsAxos ONEvsHigh Yield Savings
Latest APY0.61 %4.66 %4.00 %
TrendSidewaysFallingSideways
Slope (bps/mo)0.0-5.6-1.5
Rate Changes / Mo0.000.080.08
Days Since Last Change13956112
12‑M High0.61 %4.86 %4.10 %
12‑M Low0.61 %4.66 %4.00 %
Draw‑down from High0.0 %-4.1 %-2.4 %
Volatility (CV)0.0000.0200.008

Calculate Savings Growth for Axos Bank vs Synchrony Bank

All calculations are based on APY.

Axos Bank

APY: 4.66%

Total savings breakdown:

  • Interest earned: $47 (4.49%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (95.51%)

Your total balance

$1,047.00

Effective APY: 4.66% (based on your deposit and contributions)

Total balance: $1,047

Earnings: $47

Bank Details

Synchrony Bank

APY: 4.00%

Total savings breakdown:

  • Interest earned: $40 (3.85%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (96.15%)

Your total balance

$1,040.00

Effective APY: 4.00% (based on your deposit and contributions)

Total balance: $1,040

Earnings: $40

Bank Details

After 1 year, Axos Bank would earn you $7 more than Synchrony Bank.