Briodirect vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of BrioDirect vs. Zynlo Bank
Key Metrics at a Glance
| Feature | BrioDirect | Zynlo 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.
→ 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
BrioDirect - High-Yield Savings Account
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
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewZynlo Bank - Tomorrow Savings Account
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
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith 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
| BrioDirect | Zynlo Bank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Tomorrow Savings Account |
| APY | 4.20% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $10 | |
| Minimum Balance for APY | $25 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.0/5 | |
| Google Play Rating | 4.3/5 | 3.5/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 7 Months)
| BrioDirect | Zynlo Bank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 4.20 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.3 | -0.7 | |
| Rate Changes / Mo | 0.55 | 0.14 | |
| Days Since Last Change | 14 | 12 | |
| High (-7 m) | 4.50 % | 4.35 % | |
| Low (-7 m) | 4.20 % | 4.20 % | |
| Draw-down from High | -6.7 % | -3.4 % | |
| Volatility (CV) | 0.019 | 0.008 |
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.