Quontic Bank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Quontic BankHigh Yield Savings Jan 7, 2026 | Synchrony BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.50% | 3.65% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Quontic Bank vs. Synchrony Bank
As of Quontic Bank offers an APY of 3.50% for its High Yield Savings account, with a minimum balance of $0, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Synchrony Bank pays $15 more than Quontic Bank on a $10,000 balance after one year. Quontic Bank pays $350, while Synchrony Bank pays $365 - an APY advantage for Synchrony Bank.
Why Quontic Bank?
- ✓Higher rated Android app (4.9 vs 4.4)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Synchrony Bank?
- ✓Higher potential APY (3.65% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $350/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $912 vs $875/yr).
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $15 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Quontic Bank offers a High Yield Savings account with an APY of 3.50%, requiring a minimum deposit of $100, while Synchrony Bank provides a slightly higher APY of 3.65% for its High Yield Savings account, which has no minimum deposit requirement. Both accounts are online-only and have no maintenance fees. Synchrony Bank's account is noted for yielding better returns on both smaller and larger deposits, making it the more favorable option for savers. Overall, Synchrony Bank stands out as the winner based on the higher APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Quontic Bank vs. Synchrony Bank Savings Calculator
You earn $15 more with Synchrony Bank than Quontic Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Quontic Bank | Synchrony Bank |
|---|---|---|
| APY | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.65% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High Yield Savings | High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.9 | iOS4.8 Android4.4 |
| Zelle® Support | Available Limit: $1,000/dayDigital-first bank with full native support. | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteGo to Quontic Bank * Secure link to our partner | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | Synchrony Bank |
|---|---|---|
| High Yield Savings | High Yield Savings | |
Current APY | 3.50% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.6 | -3.5 |
Days Since Change | 8 | 50 |
11-Month High | 3.85% | 4.10% |
11-Month Low | 3.50% | 3.65% |
Adjustments / Mo | 0.17 | 0.26 |
Volatility Score | 0.019 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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