Bread Savings vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
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.
Bread Savings vs. Zynlo Bank Savings Calculator
Bread Savings earns $32.4 more than Zynlo Bank.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Zynlo Bank
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.5 vs 3.5)
Why Zynlo Bank?
No distinct advantages found vs Bread Savings.
— Key Feature Differences —
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.5 (vs. 3.5)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $5 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner in this comparison. This account requires a minimum deposit of $100 but has no maintenance fees and allows for daily compounding. Additionally, Bread Savings is noted for its excellent mobile app experience, with high ratings on both iOS and Android platforms. In contrast, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 4.05%, with a lower minimum deposit requirement of just $10. Both accounts are online-only and do not require direct deposit.
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.
Top Market Contenders
See who beats both Bread Savings and Zynlo Bank.
| Feature | Bread Savings | Zynlo Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.05% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | High-Yield Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $100 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Zynlo Bank |
|---|---|---|
| High-Yield Savings Account | Tomorrow Savings Account | |
Current APY | 4.10% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -2.7 |
Days Since Change | 5 | 18 |
9-Month High | 4.40% | 4.35% |
9-Month Low | 4.10% | 4.05% |
Adjustments / Mo | 0.67 | 0.22 |
Volatility Score | 0.018 | 0.023 |
How to read these metrics(Click to expand)
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