# Symphony Savings Account Offers 5% APY Plus 2% in Transferable Points

_Jun 4 18:00_

Tags: Silo Markets, promotion, credit card, promo

Silo Markets' Symphony savings account offers 5% APY plus 2% back in transferable points. It is not FDIC insured, relying on SIPC protection and crypto infrastructure

> **Check before acting.** This offer was last reported 155 days ago, on June 4, 2026. Registration deadlines and bonus windows close. We do not track whether this one is still live, so check the program's own page before acting on it.

## Summary

Silo Markets has launched Symphony, a savings account product that combines a 5% annual percentage yield (APY) with a 2% return in transferable loyalty points. Unlike traditional bank savings accounts, Symphony is not FDIC insured. Instead, it utilizes SIPC protection and supplemental coverage through custody partners. The product's yield and point value are variable, depending on third-party protocols, lending markets, and stablecoin performance. The offering is notable for frequent flyers and points optimizers as it directly ties savings yield to transferable points, though it carries higher risk associated with AI and crypto infrastructure

## Why it matters

Card-issuer angle via Silo Markets.

## Sources cited

- [Doctor of Credit](https://doctorofcredit.com/symphony-5-apy-2-in-points-not-fdic-insured) — Symphony: 5% APY + 2% In Points (Not FDIC Insured)

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