Synchrony Bank vs UFB Direct
Head-to-head comparison of Synchrony High Yield Savings and UFB Secure Savings, updated daily.
UFB Direct currently wins on APY: 4.57% vs 4.35%
| Feature | Synchrony BankUpdated 1d ago | UFB DirectUpdated 1d ago |
|---|---|---|
| APY | 4.35% | 4.57%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.2 / 5★ | 4.0 / 5 |
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 →UFB Direct verdict
UFB Direct is one of the rate leaders and includes an ATM card, which is unusual. Our concern is customer service — UFB has had mixed reviews in third-party surveys. If you are confident you will not need much hand-holding, the math works in your favor.
Read full UFB Direct review →