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 One | Synchrony Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High Yield Savings |
| APY | 3.60% (as of 6/20/2025) | 3.80% (as of 6/20/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Visit Bank | 360 Performance Savings | High Yield Savings | |
| App Store Rating | 4.9/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.6/5 | |
| BBB Rating | A+ | Not Rated |
Comparative Historical APY Insights (Last 5 Months)
| Capital One | Synchrony Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High Yield Savings |
| Latest APY | 3.60 % | 3.80 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.1 | -3.7 | |
| Rate Changes / Mo | 0.40 | 0.40 | |
| Days Since Last Change | 74 | 18 | |
| High (-5 m) | 3.80 % | 4.10 % | |
| Low (-5 m) | 3.60 % | 3.80 % | |
| Draw-down from High | -5.3 % | -7.3 % | |
| Volatility (CV) | 0.018 | 0.019 |
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 DetailsSynchrony 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 DetailsAfter 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
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.60% | $0 |
| Capital One vs Axos Bank | 4.66% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.60% | $0 |
| Capital One vs Fitness Bank | 5.00% | $100 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Varo Bank | 5.00% | $0 |
Compare Synchrony Bank's APY of 3.80% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Synchrony Bank vs Ally Bank | 3.50% | $0 |
| Synchrony Bank vs American Express | 3.60% | $0 |
| Synchrony Bank vs Axos Bank | 4.66% | $0 |
| Synchrony Bank vs Bank of America | 0.01% | $100 |
| Synchrony Bank vs Barclays | 4.10% | $0 |
| Synchrony Bank vs Chase Bank | 0.01% | $0 |
| Synchrony Bank vs Chime | 3.75% | $0 |
| Synchrony Bank vs CIT Bank | 4.00% | $100 |
| Synchrony Bank vs Discover Bank | 3.60% | $0 |
| Synchrony Bank vs Fitness Bank | 5.00% | $100 |
| Synchrony Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Synchrony Bank vs SoFi Bank | 3.80% | $0 |
| Synchrony Bank vs Varo Bank | 5.00% | $0 |