Zynlo Bank: Savings Account & Rates
Mission: Banksparency aims to make Zynlo Bank's savings accounts transparent and comparable to the market.
Savings Overview
Tomorrow Savings Account
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.25% APY.
Bank Overview
- HQ LocationHolyoke, Massachusetts
- Ratings & Trust
- Deposit InsuranceFDIC Insured(Cert: 90213)
Our Take on Zynlo Bank
Highlights
- High APY of 4.05% on Tomorrow Savings Account
- No maintenance fees for account
- Low minimum deposit of $10
- Online-only account for easy access
Considerations
- Direct deposit not available
- Lower APY compared to last month (4.20%)
- Only one savings account option
- Not BBB Accredited despite A+ rating
Top Market Contenders
See how Zynlo Bank compares to the highest rates available.
Savings Account: In-Depth View
Savings Account Offered by Zynlo Bank
| Feature | Tomorrow Savings Account |
|---|---|
APY | 4.05%Verified: 12/6/2025 |
APY Trend | 30 days ↘︎ 0.15% 90 days ↘︎ 0.30% |
Min. Deposit | $10 |
Min. Balance | $0.01 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for Zynlo Bank
Savings Breakdown
- Interest Earned+$1,588.70(10.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,588.70
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
Last 9 Months| Metric | Tomorrow Savings Account |
|---|---|
Latest APY | 4.05% |
Trend | Sideways |
Slope (bps/mo) | -2.6 |
Rate Changes / Mo | 0.23 |
Days Since Last Change | 14 |
High (-9m) | 4.35% |
Low (-9m) | 4.05% |
Draw-down | -6.9% |
Volatility (CV) | 0.022 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 265-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with Zynlo Bank
| Feature | Current View Zynlo Bank | Empty Slot |
|---|---|---|
| Product | Tomorrow Savings Account | - |
APY | 4.05%Verified: 12/6/2025 | - |
APY Trend | 30 days ↘︎ 0.15% 90 days ↘︎ 0.30% | - |
| Min. Deposit | $10 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Zynlo Bank's APY of 4.05% with other banks
Alternatives to Zynlo Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
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Presidential Bank
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Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Valley Direct
High-Yield Savings Account: 4.10% APY
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Eligible States: Limited (see details)
Openbank
High-Yield Savings Account: 4.20% APY
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