Alliant Credit Union vs Synchrony Bank
Head-to-head comparison of Alliant High-Rate Savings and Synchrony High Yield Savings, updated daily.
Synchrony Bank currently wins on APY: 4.35% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | Synchrony BankUpdated 1d ago |
|---|---|---|
| APY | 3.10% | 4.35%★ |
| Min opening deposit | $5 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | NCUA | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 3.4 / 5 | 4.2 / 5★ |
Alliant Credit Union verdict
Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.
Read full Alliant Credit Union review →Synchrony Bank verdict
Synchrony is the only top-10 HYSA on our list that ships with an ATM card by default — useful if you want true cash access from a savings account. APY is competitive but not category-leading.
Read full Synchrony Bank review →