Synchrony Bank vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Synchrony BankHigh Yield Savings Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.65% | 4.09% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS 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 Synchrony Bank vs. Vio Bank
As of Synchrony Bank offers an APY of 3.65% for its High Yield Savings account, with a minimum balance of $0, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $44 more than Synchrony Bank on a $10,000 balance after one year. Synchrony Bank pays $365, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Synchrony Bank?
- ✓Higher rated Android app (4.4 vs 3.4)
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $365/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $912/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.4 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $44 more interest on a $10,000 balance than Synchrony 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
Vio Bank's Online Savings Account stands out with a competitive APY of 4.09%, making it the winner in this comparison. This account requires a minimum deposit of $100 but has no maintenance fees if electronic statements are selected. In contrast, Synchrony Bank offers a High Yield Savings account with a lower APY of 3.65%, which has no minimum deposit or maintenance fees and is noted for its superior mobile app experience. Both accounts are online-only and do not require direct deposit, providing flexibility for customers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Synchrony Bank vs. Vio Bank Savings Calculator
You earn $44 more with Vio Bank than Synchrony 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.
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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Synchrony Bank | Vio Bank |
|---|---|---|
| APY | 3.65% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | High Yield Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.4 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | A+ |
| Next Steps | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Synchrony Bank | Vio Bank |
|---|---|---|
| High Yield Savings | Online Savings Account | |
Current APY | 3.65% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -2.6 |
Days Since Change | 50 | 1 |
2-Month High | 3.80% | 4.21% |
2-Month Low | 3.65% | 4.09% |
Adjustments / Mo | 0.55 | 1.09 |
Volatility Score | 0.011 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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