Synchrony is VaultRubric's pick: it scores 98.3% vs Ally's 92.8% (a 5.5-point lead).
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
Synchrony and Ally are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
| Fact | Synchrony | Ally |
|---|---|---|
| APY (standard) | 3.55% ⚑ third-party source src · 2026-10-10 ⚠ unverified | 3.1% src · 2026-10-12 |
| APY conditions | not found | not found |
| Promo (not scored) | not found | not found |
| Minimum to earn APY | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Monthly fee | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 FDIC; Synchrony Bank | Up to $250,000 src · 2026-10-10 FDIC; Ally Bank (cert 57803 per third party) |
| FDIC cert | 27314 (Synchrony Bank) src · 2026-10-10 | 57803 (Ally Bank) src · 2026-10-10 |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | none found in last 5 yrs src · 2026-10-10 |
| Official page | savings account ↗ | savings account ↗ |
VaultRubric pick: Synchrony
| Criterion (weight) | Synchrony | Ally |
|---|---|---|
| APY (standard rate) (17%) | 10.0/10 | 8.7/10 |
| Minimum to earn APY (17%) | 10.0/10 | 10.0/10 |
| Fees (17%) | 10.0/10 | 10.0/10 |
| Deposit insurance (17%) | 9.0/10 | 9.0/10 |
| Regulatory record (17%) | 10.0/10 | 10.0/10 |
| Access (ATM/app/support) (17%) | 10.0/10 | 8.0/10 |
| Overall | 98.3% coverage 100% | 92.8% coverage 100% |
0.167×10.0 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×10.0 + 0.167×10.0 = 9.84 → 98.3%0.167×8.7 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×10.0 + 0.167×8.0 = 9.29 → 92.8%Opens the tool with these platforms filled in, so you can change the weights.
Facts-only answers: Is Synchrony a good savings account? · Is Ally a good savings account?
On VaultRubric's equal-weight rubric, Synchrony scores higher (98.3% for Synchrony, 92.8% for Ally). Change the weights in the tool to match your priorities.
Standard APY in our data: Synchrony 3.55% (as of 2026-10-10), Ally 3.1% (as of 2026-10-12). Rates are variable; check each bank's site.
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.
Company-level CFPB Consumer Complaint Database counts (unverified complaints; volume tracks size). Context only; scores are unchanged.