Synchrony Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Synchrony Bank
High Yield Savings
3.65%APYDec 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Synchrony Bank
High Yield Savings
UFB Direct
UFB Checking and Savings Bundle
Up to3.60%APYDec 17, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.40% – 3.60%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Synchrony Bank vs. UFB Direct
As of Synchrony Bank offers an APY of 3.65% for its High Yield Savings account, with a minimum balance of $0, compared to UFB Direct's 3.60% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Synchrony Bank pays $5 more than UFB Direct on a $10,000 balance after one year. Synchrony Bank pays $365, while UFB Direct pays $360 - an APY advantage for Synchrony Bank.
In addition, UFB Direct also offers 3.40% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Synchrony Bank?
No distinct advantages found vs UFB Direct.
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Best for Simplicity
Synchrony BankSynchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $5 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Synchrony Bank emerges as the winner with its High Yield Savings account offering a competitive 3.65% APY, with no minimum deposit, maintenance fees, or direct deposit requirements, making it an attractive option for simplicity. In comparison, UFB Direct's UFB Portfolio Savings account offers a slightly lower APY of 3.40%, also with no minimum deposit or fees, and is available online only. UFB Direct does provide a bundled checking and savings option that can yield up to 3.60% APY but requires a checking account and specific conditions to achieve this rate.
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.
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.
Synchrony Bank vs. UFB Direct Savings Calculator
You earn $5 more with Synchrony Bank than UFB Direct 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.
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
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$360.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,360.00
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Synchrony Bank and UFB Direct.
| Feature | Synchrony Bank | UFB Direct |
|---|---|---|
| APY | 3.65% Verified: 12/17/2025 ↘︎ 0.15%90d Change | 3.60% Range: 3.40% - 3.60% Verified: 12/17/2025 ↘︎ 0.50%90d Change |
| Product Name | High Yield Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.4 | iOS4.8 Android4.3 |
| BBB Rating | Not Rated | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.60% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Synchrony Bank | UFB Direct | |
|---|---|---|---|
| High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.65% | 3.60% | 3.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -5.5 | -4.9 |
Days Since Change | 29 | 6 | 6 |
11-Month High | 4.10% | 4.21% | 4.01% |
11-Month Low | 3.65% | 3.60% | 3.40% |
Adjustments / Mo | 0.27 | 0.36 | 0.36 |
Volatility Score | 0.033 | 0.052 | 0.053 |
How to read these metrics(Click to expand)
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