High-Yield Savings Account Comparison

Capital One vs. Synchrony Bank

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

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Capital One

360 Performance Savings

3.40%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessOver 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.
Deposit InsuranceFDIC Insured(Cert: 4297)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.5
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview

Synchrony Bank

High Yield Savings

3.65%
APY
Dec 6, 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:4.5
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

Comparison Analysis

Comparing Capital One vs. Synchrony Bank

Updated: Dec 6, 2025

Why Capital One?

  • ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)

Why Synchrony Bank?

  • ✓Higher potential APY (3.65% vs 3.40%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Synchrony Bank

Synchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $340/yr).

Better Returns at $25,000
Synchrony Bank

Synchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $913 vs $850/yr).

Best for Simplicity
Synchrony Bank

Synchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Synchrony Bank's High Yield Savings pays $25 more interest on a $10,000 balance than Capital One's 360 Performance Savings.

Capital OneSynchrony Bank
Automated Data Audit

Executive Summary

Synchrony Bank offers a High Yield Savings account with a competitive APY of 3.65%, making it the winner in this comparison. This online-only account features no minimum deposit, no maintenance fees, and compounds interest daily, providing better returns compared to Capital One's 360 Performance Savings, which has an APY of 3.40%. While both accounts have no direct deposit requirements and are FDIC insured, Synchrony Bank's account is noted for its simplicity and superior yield, especially for larger deposits. Capital One's account is a viable alternative, but it does not match the higher returns of Synchrony.

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.

ExploreCapital OneExploreSynchrony Bank

Top Market Contenders

See who beats both Capital One and Synchrony Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.95% vs Synchrony Bank
Better Rate
Pibank vs Capital OnePibank vs Synchrony Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.85% vs Synchrony Bank
Better Rate
Neighbors Bank vs Capital OneNeighbors Bank vs Synchrony Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.66% vs Synchrony Bank
Better Rate
Axos Bank vs Capital OneAxos Bank vs Synchrony Bank
FeatureCapital OneSynchrony Bank
APY
3.40%
Verified: 12/6/2025
↘︎ 0.10%90d Change
3.65%
Verified: 12/6/2025
↘︎ 0.15%90d Change
Product Name360 Performance SavingsHigh Yield Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.5
iOS4.8
Android4.5
BBB RatingA+Not Rated
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Synchrony Bank earns $159.2 more than Capital One.

Capital One

360 Performance Savings

3.40% APY

Savings Breakdown

  • Interest Earned
    +$2,050.50(10.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,050.50

Effective APY
3.40%
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.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricCapital OneSynchrony Bank
360 Performance SavingsHigh Yield Savings
Current APY
3.40%3.65%
Trend
 Stable Stable
Velocity (bps/mo)
-3.6-3.4
Days Since Change
6618
10-Month High
3.80%4.10%
10-Month Low
3.40%3.65%
Adjustments / Mo
0.380.28
Volatility Score
0.0330.031
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 318-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 Capital One vs...

Comparing against Standard Savings

vs Capital One
PibankNo Bundle Req
4.60%
APY
vs Capital One
Neighbors BankNo Bundle Req
4.50%
APY
vs Capital One
TIMBRNo Bundle Req
4.40%
APY

Compare Synchrony Bank vs...

Comparing against Standard Savings

vs Synchrony Bank
PibankNo Bundle Req
4.60%
APY
vs Synchrony Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Synchrony Bank
TIMBRNo Bundle Req
4.40%
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 Capital One's APY of 3.40% with other banks
Bank PairCompetitor APYMin Deposit
Capital One vs Ally Bank3.30%$0
Capital One vs American Express3.40%$0
Capital One vs Axos Bank4.31%$0
Capital One vs Bank of America0.01%$100
Capital One vs Barclays4.00%$0
Capital One vs Bask Bank3.90%$0
Capital One vs BMO Alto3.25%$0
Capital One vs BrioDirect4.00%$5,000
Capital One vs Chase Bank0.01%$0
Capital One vs Chime3.50%$0
Capital One vs CIT Bank3.75%$100
Capital One vs Citibank3.30%$0
Capital One vs Citizens Access™3.35%$0.01
Capital One vs Climate First Bank4.21%$50
Capital One vs Discover Bank3.40%$0
Capital One vs Elevault4.08%$0
Capital One vs EverBank4.05%$0
Capital One vs Fitness Bank4.75%$100
Capital One vs FNBO Direct3.00%$1
Capital One vs Forbright Bank4.00%$0
Capital One vs FVCbank3.85%$500
Capital One vs GO2bank4.50%$0
Capital One vs Ivy Bank4.25%$2,500
Capital One vs LendingClub4.20%$0
Capital One vs Marcus by Goldman Sachs3.65%$0
Capital One vs Neighbors Bank4.50%$0
Capital One vs Newtek Bank4.35%$0.01
Capital One vs Openbank4.20%$500
Capital One vs Peak Bank4.20%$100
Capital One vs Pibank4.60%$0
Capital One vs PNC3.53%$0
Capital One vs Presidential Bank4.00%$5,000
Capital One vs Quontic Bank3.75%$100
Capital One vs Salem Five Direct3.71%$10
Capital One vs Santander Bank0.01%$25
Capital One vs SoFi Bank4.30%$0
Capital One vs TIMBR4.40%$1,000
Capital One vs UFB Direct3.71%$5000
Capital One vs Valley Direct4.10%$1,000
Capital One vs Varo Bank5.00%$0
Capital One vs Vio Bank4.16%$100
Capital One vs Wealthfront4.15%$0
Capital One vs Wells Fargo0.05%$25
Capital One vs Zynlo Bank4.05%$10
Compare Synchrony Bank's APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
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 BMO Alto3.25%$0
Synchrony Bank vs BrioDirect4.00%$5,000
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™3.35%$0.01
Synchrony Bank vs Climate First Bank4.21%$50
Synchrony Bank vs Discover Bank3.40%$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 Bank4.50%$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 Santander Bank0.01%$25
Synchrony Bank vs SoFi Bank4.30%$0
Synchrony Bank vs TIMBR4.40%$1,000
Synchrony Bank vs UFB Direct3.71%$5000
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