High-Yield Savings Account Comparison

Bread Savings vs. Synchrony Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Bread Savings

High-Yield Savings Account

4.10%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57570)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

7 days
↘︎ 0.05%
30 days
↘︎ 0.10%
90 days
↘︎ 0.15%
Read Bank Overview

Synchrony Bank

High Yield Savings

3.65%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27314)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.4
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Bread Savings vs. Synchrony Bank Savings Calculator

Calculations based on current APY for High-Yield Savings Account and High Yield Savings
$
$

Bread Savings earns $289.7 more than Synchrony Bank.

Bread Savings

High-Yield Savings Account

4.10% APY

Savings Breakdown

  • Interest Earned
    +$2,499.40(12.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,499.40

Effective APY
4.10%
View Details

Synchrony Bank

High Yield Savings

3.65% APY

Savings Breakdown

  • Interest Earned
    +$2,209.70(10.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,209.70

Effective APY
3.65%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Bread Savings vs. Synchrony Bank

Updated: Dec 10, 2025

Why Bread Savings?

  • ✓Higher potential APY (4.10% vs 3.65%) on all balances

Why Synchrony Bank?

No distinct advantages found vs Bread Savings.

— Key Feature Differences —

Better Returns at $10,000
Bread Savings

Bread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $365/yr).

Better Returns at $25,000
Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $912/yr).

Best for Simplicity
Bread Savings

Bread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Bread Savings's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Synchrony BankBread Savings
Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, significantly higher than Synchrony Bank's High Yield Savings, which offers 3.65%. Both accounts are online-only with no maintenance fees or minimum balance requirements. Bread Savings stands out for its simplicity, requiring no direct deposit and providing better returns on various deposit amounts. In contrast, Synchrony Bank's account, while also straightforward, does not match the yield of Bread Savings. Overall, Bread Savings is the winner based on the provided data.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreBread SavingsExploreSynchrony Bank

Top Market Contenders

See who beats both Bread Savings and Synchrony Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.50% vs Bread Savings
Better Rate
Pibank vs Bread SavingsPibank vs Synchrony Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.21% vs Bread Savings
Better Rate
Axos Bank vs Bread SavingsAxos Bank vs Synchrony Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.30% vs Bread Savings
Better Rate
TIMBR vs Bread SavingsTIMBR vs Synchrony Bank
FeatureBread SavingsSynchrony Bank
APY
4.10%
Verified: 12/10/2025
↘︎ 0.15%90d Change
3.65%
Verified: 12/10/2025
↘︎ 0.15%90d Change
Product NameHigh-Yield Savings AccountHigh Yield Savings
Minimum Deposit$100$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.5
iOS4.8
Android4.4
BBB RatingA+Not Rated
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricBread SavingsSynchrony Bank
High-Yield Savings AccountHigh Yield Savings
Current APY
4.10%3.65%
Trend
 Stable Stable
Velocity (bps/mo)
-2.6-3.4
Days Since Change
522
11-Month High
4.40%4.10%
11-Month Low
4.10%3.65%
Adjustments / Mo
0.560.28
Volatility Score
0.0200.032
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 322-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Bread Savings vs...

Comparing against Standard Savings

vs Bread Savings
PibankNo Bundle Req
4.60%
APY
vs Bread Savings
TIMBRNo Bundle Req
4.40%
APY
vs Bread Savings
Newtek BankNo Bundle Req
4.35%
APY

Compare Synchrony Bank vs...

Comparing against Standard Savings

vs Synchrony Bank
PibankNo Bundle Req
4.60%
APY
vs Synchrony Bank
TIMBRNo Bundle Req
4.40%
APY
vs Synchrony Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Bread Savings' APY of 4.10% with other banks
Bank PairCompetitor APYMin Deposit
Bread Savings vs Affirm3.60%$0
Bread Savings vs Ally Bank3.30%$0
Bread Savings vs American Express3.40%$0
Bread Savings vs Axos Bank4.31%$0
Bread Savings vs Bank of America0.01%$100
Bread Savings vs Barclays4.00%$0
Bread Savings vs Bask Bank3.90%$0
Bread Savings vs Betterment3.50%$10
Bread Savings vs BMO Alto3.25%$0
Bread Savings vs BrioDirect4.00%$5,000
Bread Savings vs Capital One3.40%$0
Bread Savings vs Charles Schwab Bank0.15%$0
Bread Savings vs Chase Bank0.01%$0
Bread Savings vs Chime3.50%$0
Bread Savings vs CIT Bank3.75%$100
Bread Savings vs Citibank3.30%$0
Bread Savings vs Citizens Access™3.15%$0.01
Bread Savings vs Climate First Bank4.21%$50
Bread Savings vs Discover Bank3.40%$0
Bread Savings vs E*TRADE from Morgan Stanley3.75%$0
Bread Savings vs Elevault4.08%$0
Bread Savings vs EverBank4.05%$0
Bread Savings vs Fitness Bank4.75%$100
Bread Savings vs FNBO Direct3.00%$1
Bread Savings vs Forbright Bank4.00%$0
Bread Savings vs FVCbank3.85%$500
Bread Savings vs GO2bank4.50%$0
Bread Savings vs Ivy Bank4.25%$2,500
Bread Savings vs LendingClub4.20%$0
Bread Savings vs Marcus by Goldman Sachs3.65%$0
Bread Savings vs Neighbors Bank4.30%$0
Bread Savings vs Newtek Bank4.35%$0.01
Bread Savings vs Openbank4.20%$500
Bread Savings vs Peak Bank4.20%$100
Bread Savings vs Pibank4.60%$0
Bread Savings vs PNC3.53%$0
Bread Savings vs Presidential Bank4.00%$5,000
Bread Savings vs Quontic Bank3.75%$100
Bread Savings vs Salem Five Direct3.71%$10
Bread Savings vs Sallie Mae Bank3.90%$0
Bread Savings vs Santander Bank0.01%$25
Bread Savings vs SoFi Bank4.30%$0
Bread Savings vs TD Bank2.75%$0
Bread Savings vs TIMBR4.40%$1,000
Bread Savings vs UFB Direct3.71%$5000
Bread Savings vs Upgrade3.05%$0
Bread Savings vs Valley Direct4.10%$1,000
Bread Savings vs Varo Bank5.00%$0
Bread Savings vs Vio Bank4.16%$100
Bread Savings vs Wealthfront4.15%$0
Bread Savings vs Wells Fargo0.05%$25
Bread Savings vs Zynlo Bank4.05%$10
Compare Synchrony Bank's APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Synchrony Bank vs Affirm3.60%$0
Synchrony Bank vs Ally Bank3.30%$0
Synchrony Bank vs American Express3.40%$0
Synchrony Bank vs Axos Bank4.31%$0
Synchrony Bank vs Bank of America0.01%$100
Synchrony Bank vs Barclays4.00%$0
Synchrony Bank vs Bask Bank3.90%$0
Synchrony Bank vs Betterment3.50%$10
Synchrony Bank vs BMO Alto3.25%$0
Synchrony Bank vs BrioDirect4.00%$5,000
Synchrony Bank vs Capital One3.40%$0
Synchrony Bank vs Charles Schwab Bank0.15%$0
Synchrony Bank vs Chase Bank0.01%$0
Synchrony Bank vs Chime3.50%$0
Synchrony Bank vs CIT Bank3.75%$100
Synchrony Bank vs Citibank3.30%$0
Synchrony Bank vs Citizens Access™3.15%$0.01
Synchrony Bank vs Climate First Bank4.21%$50
Synchrony Bank vs Discover Bank3.40%$0
Synchrony Bank vs E*TRADE from Morgan Stanley3.75%$0
Synchrony Bank vs Elevault4.08%$0
Synchrony Bank vs EverBank4.05%$0
Synchrony Bank vs Fitness Bank4.75%$100
Synchrony Bank vs FNBO Direct3.00%$1
Synchrony Bank vs Forbright Bank4.00%$0
Synchrony Bank vs FVCbank3.85%$500
Synchrony Bank vs GO2bank4.50%$0
Synchrony Bank vs Ivy Bank4.25%$2,500
Synchrony Bank vs LendingClub4.20%$0
Synchrony Bank vs Marcus by Goldman Sachs3.65%$0
Synchrony Bank vs Neighbors Bank4.30%$0
Synchrony Bank vs Newtek Bank4.35%$0.01
Synchrony Bank vs Openbank4.20%$500
Synchrony Bank vs Peak Bank4.20%$100
Synchrony Bank vs Pibank4.60%$0
Synchrony Bank vs PNC3.53%$0
Synchrony Bank vs Presidential Bank4.00%$5,000
Synchrony Bank vs Quontic Bank3.75%$100
Synchrony Bank vs Salem Five Direct3.71%$10
Synchrony Bank vs Sallie Mae Bank3.90%$0
Synchrony Bank vs Santander Bank0.01%$25
Synchrony Bank vs SoFi Bank4.30%$0
Synchrony Bank vs TD Bank2.75%$0
Synchrony Bank vs TIMBR4.40%$1,000
Synchrony Bank vs UFB Direct3.71%$5000
Synchrony Bank vs Upgrade3.05%$0
Synchrony Bank vs Valley Direct4.10%$1,000
Synchrony Bank vs Varo Bank5.00%$0
Synchrony Bank vs Vio Bank4.16%$100
Synchrony Bank vs Wealthfront4.15%$0
Synchrony Bank vs Wells Fargo0.05%$25
Synchrony Bank vs Zynlo Bank4.05%$10