Zynlo Bank

Last Updated: 7/16/2025

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

Quick Views

Tomorrow Savings Account: 4.35% APY(Rank 13 out of 77 tracked HYSAs)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.38% (as of 6/16/2025)

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: 3.9/5

Google Play Rating: 3.4/5

Website: Visit Zynlo Bank

Our Take on Zynlo Bank

Highlights

Current APY of 4.35% with no change from 30 days ago.
No maintenance fees on the Tomorrow Savings Account.
Minimum deposit requirement is only $10.
BBB rating of A+ indicates strong trustworthiness.

Considerations

Not BBB Accredited despite high rating.
Only online banking available; no physical branches.
App Store rating is 3.9, while Google Play rating is 3.4.
Direct deposit is not required but may limit some users.

Summary: Zynlo Bank offers a competitive APY of 4.35% on its Tomorrow Savings Account, requiring only a $10 minimum deposit and no maintenance fees. However, it lacks physical branches and has mixed app ratings, which may affect user experience. While it has an A+ BBB rating, it is not accredited. The absence of a direct deposit requirement could be a barrier for some potential customers.

Savings Account

Savings Account Offered by Zynlo Bank

Feature	Tomorrow Savings Account
APY	4.35% (as of 7/16/2025)
APY Trend	Stable for the last month
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
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: 4.35%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $4 (3.85%)
Total contributions: $0 (0.00%)
Initial deposit: $100 (96.15%)

Your total balance

$104.00

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

Metric	Tomorrow Savings Account
Latest APY	4.35 %
Trend	Sideways
Slope (bps/mo)	0.0
Rate Changes / Mo	0.00
Days Since Last Change	121
High (-4 m)	4.35 %
Low (-4 m)	4.35 %
Draw-down from High	0.0 %
Volatility (CV)	0.000

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 4 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 (-4 m): Highest APY in the last 122 days.
Low (-4 m): Lowest APY in the last 122 days.
Draw-down from High: How far today sits below the 4-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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Feature	Zynlo Bank	Select a bank...
Product	Tomorrow Savings Account	N/A
APY	4.35% (as of 7/16/2025)	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