High-Yield Savings Account Comparison

Betterment vs. Zynlo Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Betterment

Cash Reserve

3.50%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A-(BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview

Zynlo Bank

Tomorrow Savings Account

4.05%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90213)
EligibilityUnited States
Mobile Ratings
iOS:4.0Android:3.5
BBB Rating
A+(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.30%
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Betterment vs. Zynlo Bank Savings Calculator

Calculations based on current APY for Cash Reserve and Tomorrow Savings Account
$
$

Zynlo Bank earns $352.9 more than Betterment.

Betterment

Cash Reserve

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

Zynlo Bank

Tomorrow Savings Account

4.05% APY

Savings Breakdown

  • Interest Earned
    +$2,467.00(12.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,467.00

Effective APY
4.05%
View Details

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

Comparison Analysis

Comparing Betterment vs. Zynlo Bank

Updated: Dec 10, 2025

Why Betterment?

  • ✓Higher rated iOS app (4.8 vs 4.0)
  • ✓Higher rated Android app (4.7 vs 3.5)

Why Zynlo Bank?

  • ✓Higher potential APY (4.05% vs 3.50%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Zynlo Bank

Zynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $350/yr).

Better Returns at $25,000
Zynlo Bank

Zynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $875/yr).

Best for Simplicity
Zynlo Bank

Zynlo Bank's Tomorrow Savings Account offers 4.05% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Betterment

Betterment offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.7 (vs. 3.5)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $55 more interest on a $10,000 balance than Betterment's Cash Reserve.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

BettermentZynlo Bank
Automated Data Audit

Executive Summary

Zynlo Bank offers a competitive Tomorrow Savings Account with a higher APY of 4.05%, making it the winner in this comparison. This account requires a minimum deposit of $10 and has no maintenance fees or direct deposit requirements, providing flexibility for users. In contrast, Betterment's Cash Reserve yields a lower APY of 3.50% and is also online-only, with a minimum deposit of $10 and no maintenance fees. While Betterment is recognized for its superior mobile app experience, Zynlo Bank stands out for better returns, particularly for larger deposits.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreBettermentExploreZynlo Bank

Top Market Contenders

See who beats both Betterment and Zynlo Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.55% vs Zynlo Bank
Better Rate
Pibank vs BettermentPibank vs Zynlo Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.26% vs Zynlo Bank
Better Rate
Axos Bank vs BettermentAxos Bank vs Zynlo Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.35% vs Zynlo Bank
Better Rate
TIMBR vs BettermentTIMBR vs Zynlo Bank
FeatureBettermentZynlo Bank
APY
3.50%
Verified: 12/10/2025
↘︎ 0.50%90d Change
4.05%
Verified: 12/10/2025
↘︎ 0.30%90d Change
Product NameCash ReserveTomorrow Savings Account
Minimum Deposit$10$10
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS4.0
Android3.5
BBB RatingA-A+
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis
MetricBettermentZynlo Bank
Cash ReserveTomorrow Savings Account
Current APY
3.50%4.05%
Trend
 Stable Stable
Velocity (bps/mo)
-6.0-2.7
Days Since Change
3918
9-Month High
4.00%4.35%
9-Month Low
3.50%4.05%
Adjustments / Mo
0.220.22
Volatility Score
0.0520.023
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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 269-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.

Compare Similar High-Yield Accounts

Compare Betterment vs...

Comparing against Standard Savings

vs Betterment
PibankNo Bundle Req
4.60%
APY
vs Betterment
TIMBRNo Bundle Req
4.40%
APY
vs Betterment
Newtek BankNo Bundle Req
4.35%
APY

Compare Zynlo Bank vs...

Comparing against Standard Savings

vs Zynlo Bank
PibankNo Bundle Req
4.60%
APY
vs Zynlo Bank
TIMBRNo Bundle Req
4.40%
APY
vs Zynlo Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Betterment's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Betterment vs Affirm3.60%$0
Betterment vs Ally Bank3.30%$0
Betterment vs American Express3.40%$0
Betterment vs Axos Bank4.31%$0
Betterment vs Bank of America0.01%$100
Betterment vs Barclays4.00%$0
Betterment vs Bask Bank3.90%$0
Betterment vs BMO Alto3.25%$0
Betterment vs Bread Savings4.10%$100
Betterment vs BrioDirect4.00%$5,000
Betterment vs Capital One3.40%$0
Betterment vs Charles Schwab Bank0.15%$0
Betterment vs Chase Bank0.01%$0
Betterment vs Chime3.50%$0
Betterment vs CIT Bank3.75%$100
Betterment vs Citibank3.30%$0
Betterment vs Citizens Access™3.15%$0.01
Betterment vs Climate First Bank4.21%$50
Betterment vs Discover Bank3.40%$0
Betterment vs E*TRADE from Morgan Stanley3.75%$0
Betterment vs Elevault4.08%$0
Betterment vs EverBank4.05%$0
Betterment vs Fitness Bank4.75%$100
Betterment vs FNBO Direct3.00%$1
Betterment vs Forbright Bank4.00%$0
Betterment vs FVCbank3.85%$500
Betterment vs GO2bank4.50%$0
Betterment vs Ivy Bank4.25%$2,500
Betterment vs LendingClub4.20%$0
Betterment vs Marcus by Goldman Sachs3.65%$0
Betterment vs Neighbors Bank4.30%$0
Betterment vs Newtek Bank4.35%$0.01
Betterment vs Openbank4.20%$500
Betterment vs Peak Bank4.20%$100
Betterment vs Pibank4.60%$0
Betterment vs PNC3.53%$0
Betterment vs Presidential Bank4.00%$5,000
Betterment vs Quontic Bank3.75%$100
Betterment vs Salem Five Direct3.71%$10
Betterment vs Sallie Mae Bank3.90%$0
Betterment vs Santander Bank0.01%$25
Betterment vs SoFi Bank4.30%$0
Betterment vs Synchrony Bank3.65%$0
Betterment vs TD Bank2.75%$0
Betterment vs TIMBR4.40%$1,000
Betterment vs UFB Direct3.71%$5000
Betterment vs Upgrade3.05%$0
Betterment vs Valley Direct4.10%$1,000
Betterment vs Varo Bank5.00%$0
Betterment vs Vio Bank4.16%$100
Betterment vs Wealthfront4.15%$0
Betterment vs Wells Fargo0.05%$25
Compare Zynlo Bank's APY of 4.05% with other banks
Bank PairCompetitor APYMin Deposit
Zynlo Bank vs Affirm3.60%$0
Zynlo Bank vs Ally Bank3.30%$0
Zynlo Bank vs American Express3.40%$0
Zynlo Bank vs Axos Bank4.31%$0
Zynlo Bank vs Bank of America0.01%$100
Zynlo Bank vs Barclays4.00%$0
Zynlo Bank vs Bask Bank3.90%$0
Zynlo Bank vs BMO Alto3.25%$0
Zynlo Bank vs Bread Savings4.10%$100
Zynlo Bank vs BrioDirect4.00%$5,000
Zynlo Bank vs Capital One3.40%$0
Zynlo Bank vs Charles Schwab Bank0.15%$0
Zynlo Bank vs Chase Bank0.01%$0
Zynlo Bank vs Chime3.50%$0
Zynlo Bank vs CIT Bank3.75%$100
Zynlo Bank vs Citibank3.30%$0
Zynlo Bank vs Citizens Access™3.15%$0.01
Zynlo Bank vs Climate First Bank4.21%$50
Zynlo Bank vs Discover Bank3.40%$0
Zynlo Bank vs E*TRADE from Morgan Stanley3.75%$0
Zynlo Bank vs Elevault4.08%$0
Zynlo Bank vs EverBank4.05%$0
Zynlo Bank vs Fitness Bank4.75%$100
Zynlo Bank vs FNBO Direct3.00%$1
Zynlo Bank vs Forbright Bank4.00%$0
Zynlo Bank vs FVCbank3.85%$500
Zynlo Bank vs GO2bank4.50%$0
Zynlo Bank vs Ivy Bank4.25%$2,500
Zynlo Bank vs LendingClub4.20%$0
Zynlo Bank vs Marcus by Goldman Sachs3.65%$0
Zynlo Bank vs Neighbors Bank4.30%$0
Zynlo Bank vs Newtek Bank4.35%$0.01
Zynlo Bank vs Openbank4.20%$500
Zynlo Bank vs Peak Bank4.20%$100
Zynlo Bank vs Pibank4.60%$0
Zynlo Bank vs PNC3.53%$0
Zynlo Bank vs Presidential Bank4.00%$5,000
Zynlo Bank vs Quontic Bank3.75%$100
Zynlo Bank vs Salem Five Direct3.71%$10
Zynlo Bank vs Sallie Mae Bank3.90%$0
Zynlo Bank vs Santander Bank0.01%$25
Zynlo Bank vs SoFi Bank4.30%$0
Zynlo Bank vs Synchrony Bank3.65%$0
Zynlo Bank vs TD Bank2.75%$0
Zynlo Bank vs TIMBR4.40%$1,000
Zynlo Bank vs UFB Direct3.71%$5000
Zynlo Bank vs Upgrade3.05%$0
Zynlo Bank vs Valley Direct4.10%$1,000
Zynlo Bank vs Varo Bank5.00%$0
Zynlo Bank vs Vio Bank4.16%$100
Zynlo Bank vs Wealthfront4.15%$0
Zynlo Bank vs Wells Fargo0.05%$25