High-Yield Savings Account Comparison

Presidential Bank 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.

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 6, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
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 Presidential Bank vs. Synchrony Bank

Updated: Dec 6, 2025

Why Presidential Bank?

  • ✓Higher potential APY (4.00% vs 3.65%) on all balances
  • ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

Why Synchrony Bank?

  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.5 vs 4.1)

— Key Feature Differences —

Better Returns at $10,000
Presidential Bank

Presidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $365/yr).

Better Returns at $25,000
Presidential Bank

Presidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $913/yr).

Best for Simplicity
Synchrony Bank

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

Best for All-in-One Banking
Presidential Bank

Presidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Presidential Bank's Advantage Savings pays $35 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.

Synchrony BankPresidential Bank
Automated Data Audit

Executive Summary

Presidential Bank offers an Advantage Savings account with a competitive APY of 4.00%, but to earn this rate, customers must set up a monthly direct deposit of $500 into an Advantage Checking Account, along with a minimum deposit of $5,000. In contrast, Synchrony Bank provides a High Yield Savings account with a lower APY of 3.65%, but it requires no direct deposit or minimum balance, making it a simpler option for savers. Overall, Presidential Bank's Advantage Savings is the winner for those willing to meet the direct deposit requirement for a higher return.

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.

ExplorePresidential BankExploreSynchrony Bank

Top Market Contenders

See who beats both Presidential Bank and Synchrony Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Presidential Bank
Better Rate
Pibank vs Presidential BankPibank vs Synchrony Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.50% vs Presidential Bank
Better Rate
Neighbors Bank vs Presidential BankNeighbors Bank vs Synchrony Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Presidential Bank
Better Rate
Axos Bank vs Presidential BankAxos Bank vs Synchrony Bank
FeaturePresidential BankSynchrony Bank
APY
4.00%
Range: 3.50% - 4.00%
Verified: 12/6/2025
↘︎ 0.50%90d Change
3.65%
Verified: 12/6/2025
↘︎ 0.15%90d Change
Product NameAdvantage SavingsHigh Yield Savings
Minimum Deposit$5,000$0
Min. Balance for APYN/A$0
Monthly Fee$0$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.1
iOS4.8
Android4.5
BBB RatingA-Not Rated
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Presidential Bank earns $225 more than Synchrony Bank.

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
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
MetricPresidential BankSynchrony Bank
Advantage SavingsHigh Yield Savings
Current APY
4.00%3.65%
Trend
 Stable Stable
Velocity (bps/mo)
-2.3-3.4
Days Since Change
1518
10-Month High
4.50%4.10%
10-Month Low
4.00%3.65%
Adjustments / Mo
0.190.28
Volatility Score
0.0310.031
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 Alternatives

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
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

More Comparisons

Compare Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.35%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs FNBO Direct3.00%$1
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs LendingClub4.20%$0
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.50%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs TIMBR4.40%$1,000
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank 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 Capital One3.40%$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™3.35%$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 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