Synchrony Bank vs. UFB Direct
Synchrony Bank's High Yield Savings pays 3.30% APY while UFB Direct's UFB Checking and Savings Bundle pays 3.46% APY.
Note: UFB Direct requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? UFB Direct pays $16 more than Synchrony Bank annually ($346 vs $330).
Choose Synchrony Bank if you want a no-strings-attached account. Choose UFB Direct if getting the best rate matters most.
Important Considerations
UFB Direct requires a checking account to unlock its top savings rate, while Synchrony Bank offers its savings account standalone.
| Metric | Synchrony BankHigh Yield Savings Aug 21, 2026 | UFB DirectUFB Checking and Savings Bundle Aug 19, 2026 |
|---|---|---|
| APY | 3.30% | 3.46% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$0 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Synchrony Bank vs. UFB Direct
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Synchrony Bank?
No distinct advantages found vs UFB Direct.
Why UFB Direct?
- ✓Offers an interest-bearing checking account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher potential APY (3.26%-3.46% vs 3.30%) (requires checking bundle & direct deposit)
- ✓Offers 2 different high-yield savings options
Key Feature Differences
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $346 vs $330/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $865 vs $825/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.26% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $16 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.
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Synchrony Bank vs. UFB Direct Savings Calculator
You earn $16 more with UFB Direct 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 per year in interest.
Both Synchrony Bank and UFB Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Synchrony Bank | UFB Direct |
|---|---|---|
| APY | 3.30% Verified: 8/21/2026 - | 3.46% Verified: 8/19/2026 - |
| Product Name | High Yield Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Next Steps | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 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 | 3.30% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.9 | -13.3 | -11.6 |
Days Since Change | 64 | 227 | 227 |
12-Month High | 3.80% | 4.21% | 4.01% |
12-Month Low | 3.30% | 3.46% | 3.26% |
Adjustments / Mo | 0.33 | 0.41 | 0.41 |
Volatility Score | 0.027 | 0.063 | 0.067 |
How to read these metrics(Click to expand)
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Compare Synchrony Bank's APY of 3.30% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.00% | $0 |
| UFB Direct vs American Express | 3.00% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Barclays | 3.65% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs EverBank | 3.90% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.40% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $100 |
| UFB Direct vs Openbank | 3.80% | $500 |
| UFB Direct vs Pibank | 4.10% | $0 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Varo Bank | 3.75% | $0 |
| UFB Direct vs Wealthfront | 3.95% | $0 |