Zynlo Bank: Savings Accounts & Rates

Savings rates updated: 8/29/2025

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: 4.35% APY(Rank 14 of the 20 Best Savings Rates)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.39% (as of 8/26/2025)

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

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 is 4.35%, competitive for high-yield savings accounts.
  • No maintenance fees, making it cost-effective.
  • Minimum deposit is only $10, accessible for most savers.
  • BBB rating is A+, indicating strong trustworthiness.

Considerations

  • Online-only bank may lack in-person support.
  • Google Play rating is only 3.5, indicating potential user dissatisfaction.
  • No direct deposit requirement could limit some account features.
  • Only one savings account option available.
Summary: Zynlo Bank offers a competitive APY of 4.35% on its Tomorrow Savings Account, with no maintenance fees and a low minimum deposit of $10. However, it operates as an online-only bank, which may not suit everyone, and its Google Play rating of 3.5 suggests some user concerns. While the bank holds an A+ BBB rating, it only provides one savings account option, limiting choices for savers.

Savings Account: In-Depth View

Savings Account Offered by Zynlo Bank

FeatureTomorrow Savings Account
APY
4.35% (as of 8/29/2025)
APY TrendStable for the last quarter
Minimum Deposit$10
Minimum Balance for APY$0.01
FDIC-insured
Yes
Online OnlyYes
Bundled Account
No
Direct Deposit Required
No
Compound Frequency
Daily
Maintenance Fee$0
EligibilityUnited States
Sponsored Link

No deposit agreement summary available for this bank.

Calculate Savings for Zynlo Bank

All calculations are based on APY.

Tomorrow Savings Account (APY: 4.35%)

Deposit Frequency:

Total savings breakdown:

  • Interest earned: $1,712.9 (10.90%)
  • Total contributions: $13,000 (82.73%)
  • Initial deposit: $1,000 (6.36%)

Your total balance

$15,712.90

Effective APY: 4.35% (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

MetricTomorrow Savings Account
Latest APY4.35 %
TrendSideways
Slope (bps/mo)0.0
Rate Changes / Mo0.00
Days Since Last Change166
High (-5 m)4.35 %
Low (-5 m)4.35 %
Draw-down from High0.0 %
Volatility (CV)0.000
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 5 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 (-5 m)
Highest APY in the last 167 days.
Low (-5 m)
Lowest APY in the last 167 days.
Draw-down from High
How far today sits below the 5-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

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  • All America Bank - 1.50-3.25% APY
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  • FVCbank - 4.35% APY
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  • 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
  • My Banking Direct - 4.30% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
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  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.10% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.05% APY
  • Primis Bank - 4.20% APY
  • Quontic Bank - 3.75% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.12% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • SoFi Bank - 3.80% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 4.15% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 3.05% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.30% APY
  • Varo Bank - 2.50-5.00% APY
  • Wells Fargo - 0.05-2.51% APY
  • Western Alliance Bank - 4.30% APY
FeatureZynlo BankSelect a bank...
ProductTomorrow Savings Account N/A
APY
4.35% (as of 8/29/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
DailyN/A
Minimum Deposit$10N/A
Minimum Balance for APY$0.01N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A

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