Briodirect vs. Zynlo Bank

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 21, 2025

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Summary of BrioDirect vs. Zynlo Bank

Key Metrics at a Glance

FeatureBrioDirectZynlo Bank
Top Savings APY

4.20%

High-Yield Savings Account

4.20%

Tomorrow Savings Account

Minimum to Open$5,000$10
Minimum Balance for Top APY$25$0.01

BrioDirect

Strengths

  • BrioDirect offers a competitive APY of 4.20%, though it decreased from 4.30% over the last month.
  • BrioDirect has no maintenance fees for its High-Yield Savings Account.
  • BrioDirect has a higher App Store rating of 4.7 compared to Zynlo Bank.

Potential Drawbacks

  • BrioDirect has a lower BBB rating of B- compared to Zynlo Bank's A+.
  • BrioDirect requires a higher minimum deposit of $5,000 for its High-Yield Savings Account.
  • BrioDirect has no branches for in-person banking.

Zynlo Bank

Strengths

  • Zynlo Bank's Tomorrow Savings Account has a low minimum deposit requirement of $10.
  • Zynlo Bank's APY of 4.20% is competitive, though it decreased from 4.35% in the past month.
  • Zynlo Bank has a higher BBB rating of A+.

Potential Drawbacks

  • Zynlo Bank has a lower App Store rating of 4.0 compared to BrioDirect.
  • Zynlo Bank has a lower Google Play rating of 3.5 compared to BrioDirect's 4.3.
  • Zynlo Bank has no branches for in-person banking.
Summary: BrioDirect and Zynlo Bank both offer high-yield savings accounts with an APY of 4.20%. However, BrioDirect requires a higher minimum deposit of $5,000, while Zynlo Bank only requires $10. BrioDirect has a better App Store rating, but Zynlo Bank excels with a higher BBB rating of A+. Both banks lack physical branches, making them online-only options.

→ As of 10/21/2025 both BrioDirect (High-Yield Savings Account) and Zynlo Bank (Tomorrow Savings Account) offer an APY of 4.20% .

→ Both banks yield $420 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.

Calculate Savings Growth for BrioDirect vs Zynlo Bank

All calculations are based on APY.

BrioDirect - High-Yield Savings Account

Top APY: 4.20%

Total savings breakdown:

  • Interest earned: $2,564.3 (12.47%)
  • Total contributions: $13,000 (63.22%)
  • Initial deposit: $5,000 (24.31%)

Your total balance

$20,564.30

Effective APY: 4.20% (based on your deposit and contributions)

Total balance: $20,564.3

Earnings: $2,564.3

Bank Overview

Zynlo Bank - Tomorrow Savings Account

Top APY: 4.20%

Total savings breakdown:

  • Interest earned: $2,564.3 (12.47%)
  • Total contributions: $13,000 (63.22%)
  • Initial deposit: $5,000 (24.31%)

Your total balance

$20,564.30

Effective APY: 4.20% (based on your deposit and contributions)

Total balance: $20,564.3

Earnings: $2,564.3

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be the same as Zynlo Bank's total earnings.

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

Compare BrioDirect's vs Zynlo Bank's Savings Accounts

BrioDirectZynlo Bank
ProductHigh-Yield Savings AccountvsTomorrow Savings Account
APY
4.20% (as of 10/21/2025)4.20% (as of 10/21/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyYesYes
Compound Frequency
DailyDaily
Minimum Deposit$5,000$10
Minimum Balance for APY$25$0.01
Maintenance Fee$0$0
Direct Deposit Required
NoNo
App Store Rating4.7/54.0/5
Google Play Rating4.3/53.5/5
BBB RatingB-A+

Comparative Historical APY Insights (Last 7 Months)

BrioDirectZynlo Bank
ProductHigh-Yield Savings AccountvsTomorrow Savings Account
Latest APY4.20 %4.20 %
TrendSidewaysSideways
Slope (bps/mo)-3.3-0.7
Rate Changes / Mo0.550.14
Days Since Last Change1412
High (-7 m)4.50 %4.35 %
Low (-7 m)4.20 %4.20 %
Draw-down from High-6.7 %-3.4 %
Volatility (CV)0.0190.008
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 7 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 (-7 m)
Highest APY in the last 219 days.
Low (-7 m)
Lowest APY in the last 219 days.
Draw-down from High
How far today sits below the 7-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.

More Comparisons

Compare BrioDirect's APY of 4.20% with other banks
Compare Zynlo Bank's APY of 4.20% with other banks