Zynlo Bank: Savings Accounts & Rates

Savings rates updated: 10/15/2025

Mission statement: Banksparency aims to make Zynlo Bank's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

Note: Interest rates below are reported as APY, or Annual Percentage Yield

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Savings Overview

Tomorrow Savings Account: 4.20% APY(Rank 22 out of 82 tracked HYSAs)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.4% (as of 9/15/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Holyoke, Massachusetts

Affiliation: ZYNLO® is a registered trademark of PeoplesBank

Deposit Insurance: FDIC Cert # 90213

BBB Rating: A+ (Not BBB Accredited)

App Store Rating: 4.0/5

Google Play Rating: 3.5/5

Website: Visit Zynlo Bank

Our Take on Zynlo Bank

Highlights

Current APY of 4.20%, competitive for high-yield accounts.
No maintenance fees, making it cost-effective.
Minimum deposit requirement is only $10.
A+ BBB rating indicates strong trustworthiness.

Considerations

APY decreased from 4.35% in the last 30 days.
Online-only account may lack personal service options.
No branches available for in-person banking.
Not BBB Accredited, which may concern some customers.

Summary: Zynlo Bank offers a competitive APY of 4.20% for its Tomorrow Savings Account, which requires only a $10 minimum deposit and has no maintenance fees. However, the APY has decreased from 4.35% in the past month. The bank operates online only, lacking physical branches, and while it holds an A+ BBB rating, it is not BBB Accredited. Overall, it presents a solid option for online savers seeking high yields.

Savings Account: In-Depth View

Savings Account Offered by Zynlo Bank

Feature	Tomorrow Savings Account
APY	4.20% (as of 10/15/2025)
APY Trend	-0.15% WoW
Minimum Deposit	$10
Minimum Balance for APY	$0.01
FDIC-insured	Yes
Online Only	Yes
Bundled Account	No
Direct Deposit Required	No
Compound Frequency	Daily
Maintenance Fee	$0
Eligibility	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for Zynlo Bank

All calculations are based on APY.

Savings Product:

Tomorrow Savings Account (APY: 4.20%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,650.7 (10.55%)
Total contributions: $13,000 (83.06%)
Initial deposit: $1,000 (6.39%)

Your total balance

$15,650.70

Effective APY: 4.20% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Zynlo Bank Savings Rates Over Time

Historical APY Insights

Metric	Tomorrow Savings Account
Latest APY	4.20 %
Trend	Sideways
Slope (bps/mo)	-0.4
Rate Changes / Mo	0.14
Days Since Last Change	6
High (-7 m)	4.35 %
Low (-7 m)	4.20 %
Draw-down from High	-3.4 %
Volatility (CV)	0.006

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 7 months (regression slope).
Slope (bps/mo): Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo: Typical number of APY moves per month.
Days Since Last Change: Recency of the latest APY adjustment.
High (-7 m): Highest APY in the last 213 days.
Low (-7 m): Lowest APY in the last 213 days.
Draw-down from High: How far today sits below the 7-month peak.
Volatility (CV): Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

See how quickly a bank reacts to Fed moves or competition.
Gauge “twitchiness” - frequent moves can annoy savers.
Spot if you're buying near a peak (draw-down) or riding a rise.
Slope (bps/mo) shows speed of change.
Volatility (CV) scales jumps by average level.

Compare Zynlo Bank's Savings Account

Affirm - 3.60% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.40% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.05% APY
Betterment - 3.75% APY
BMO Alto - 3.25% APY
Bread Savings - 4.20% APY
BrioDirect - 4.20% APY
Capital One - 3.40% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.25-3.75% APY
CIBC Bank USA - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.40% APY
Citizens Access™ - 3.50% APY
Colorado Federal Savings Bank - 4.05% APY
ConnectOne Bank - 3.85% APY
Customers Bank - 3.98% APY
Discover Bank - 3.40% APY
Elevault - 4.34% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.10% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.90% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.00% APY
FVCbank - 4.10% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 4.00% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.20% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.85% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 4.10% APY
ROGER - 3.87% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.50% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.86% APY
TIMBR - 4.40% APY
UFB Direct - 3.76-3.96% APY
Upgrade - 3.42% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.10% APY

Feature	Zynlo Bank	Select a bank...
Product	Tomorrow Savings Account	N/A
APY	4.20% (as of 10/15/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Daily	N/A
Minimum Deposit	$10	N/A
Minimum Balance for APY	$0.01	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A

Bank-to-Bank Comparisons

Compare Zynlo Bank's APY of 4.20% with other banks

Bank Pair	Competitor APY	Min Deposit
Zynlo Bank vs Ally Bank	3.40%	$0
Zynlo Bank vs American Express	3.50%	$0
Zynlo Bank vs Axos Bank	4.51%	$0
Zynlo Bank vs Bank of America	0.01%	$100
Zynlo Bank vs Barclays	4.10%	$0
Zynlo Bank vs BrioDirect	4.20%	$5,000
Zynlo Bank vs Capital One	3.40%	$0
Zynlo Bank vs Chase Bank	0.01%	$0
Zynlo Bank vs Chime	3.75%	$0
Zynlo Bank vs CIT Bank	3.85%	$100
Zynlo Bank vs Discover Bank	3.40%	$0
Zynlo Bank vs Elevault	4.34%	$0
Zynlo Bank vs EverBank	4.05%	$0
Zynlo Bank vs Fitness Bank	4.75%	$100
Zynlo Bank vs FVCbank	4.10%	$500
Zynlo Bank vs GO2bank	4.50%	$0
Zynlo Bank vs Marcus by Goldman Sachs	3.65%	$0
Zynlo Bank vs Neighbors Bank	4.50%	$0
Zynlo Bank vs Newtek Bank	4.35%	$0
Zynlo Bank vs Peak Bank	4.20%	$100
Zynlo Bank vs Pibank	4.60%	$0
Zynlo Bank vs Presidential Bank	4.50%	$5,000
Zynlo Bank vs Santander Bank	0.01%	$25
Zynlo Bank vs SoFi Bank	4.50%	$0
Zynlo Bank vs Synchrony Bank	3.80%	$0
Zynlo Bank vs TIMBR	4.40%	$1,000
Zynlo Bank vs UFB Direct	3.96%	$5000
Zynlo Bank vs Varo Bank	5.00%	$0
Zynlo Bank vs Wells Fargo	0.05%	$25

Alternatives to Zynlo Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Varo Bank

High-Yield Savings Account: 5.00% APY

Minimum Deposit: $0

Online Only

Direct Deposit: Min. $1,000/month

Rising Bank

High-Yield Savings Account: 4.10% APY

Minimum Deposit: $1,000

Online Only

Barclays

Tiered Savings: 4.10% APY

Minimum Deposit: $0

Online Only