Capital One vs Synchrony Bank
High-Yield Savings Accounts Comparison

Last Updated: June 20, 2025

Summary of Capital One vs. Synchrony Bank

As of June 20, 2025 Capital One offers an APY of 3.60% for its 360 Performance Savings account, compared to Synchrony Bank's 3.80% APY for its High Yield Savings account.

Synchrony Bank yields $20 more than Capital One on a $10,000 balance after one year. Capital One pays $360, while Synchrony Bank pays $380 - an APY advantage for Synchrony Bank.

Capital One

Strengths

  • Capital One has over 200 branches across multiple states.
  • Capital One's 360 Performance Savings has a competitive APY of 3.60%.
  • Capital One has an A+ BBB rating and is BBB Accredited.

Potential Drawbacks

  • Capital One's APY has not changed in the last 30 days.

Synchrony Bank

Strengths

  • Synchrony Bank offers a higher APY of 3.80%.
  • Synchrony Bank has a 4.6 Google Play rating.

Potential Drawbacks

  • Synchrony Bank is not BBB rated.
  • Synchrony Bank's APY decreased from 4.00% in the last 30 days.
Summary: Capital One offers a solid APY of 3.60% with the benefit of physical branches and an A+ BBB rating. In contrast, Synchrony Bank provides a higher APY of 3.80%, but lacks BBB accreditation and has seen a decrease in its APY recently. Both banks have strong app ratings, making them competitive options for high-yield savings.

Compare Capital One's vs Synchrony Bank's Savings Accounts

Capital OneSynchrony Bank
Product360 Performance SavingsvsHigh Yield Savings
APY
3.60% (as of 6/20/2025)3.80% (as of 6/20/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoYes
Compound Frequency
MonthlyDaily
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$0
Direct Deposit Required
NoNo
Visit Bank360 Performance SavingsHigh Yield Savings
App Store Rating4.9/54.8/5
Google Play Rating4.5/54.6/5
BBB RatingA+Not Rated

Comparative Historical APY Insights (Last 5 Months)

Capital OneSynchrony Bank
Product360 Performance SavingsvsHigh Yield Savings
Latest APY3.60 %3.80 %
TrendSidewaysSideways
Slope (bps/mo)-4.1-3.7
Rate Changes / Mo0.400.40
Days Since Last Change7418
High (-5 m)3.80 %4.10 %
Low (-5 m)3.60 %3.80 %
Draw-down from High-5.3 %-7.3 %
Volatility (CV)0.0180.019
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 5 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-5 m)
Highest APY in the last 151 days.
Low (-5 m)
Lowest APY in the last 151 days.
Draw-down from High
How far today sits below the 5-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Calculate Savings Growth for Capital One vs Synchrony Bank

All calculations are based on APY.

Capital One

APY: 3.60%

Total savings breakdown:

  • Interest earned: $36 (3.47%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (96.53%)

Your total balance

$1,036.00

Effective APY: 3.60% (based on your deposit and contributions)

Total balance: $1,036

Earnings: $36

Bank Details

Synchrony Bank

APY: 3.80%

Total savings breakdown:

  • Interest earned: $38 (3.66%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (96.34%)

Your total balance

$1,038.00

Effective APY: 3.80% (based on your deposit and contributions)

Total balance: $1,038

Earnings: $38

Bank Details

After 1 year Capital One would earn you $2 less than Synchrony Bank.

More Comparisons

Compare Capital One's APY of 3.60% with other banks
Compare Synchrony Bank's APY of 3.80% with other banks