Capital One vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.85% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Capital One vs. Zynlo Bank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank pays $55 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 4.1)
- ✓Higher rated Android app (4.5 vs 3.5)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.1) and Android app rated 4.5 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $55 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank offers the Tomorrow Savings Account with a competitive APY of 3.85%, making it the higher-yielding option compared to Capital One's 360 Performance Savings at 3.30%. Zynlo's account requires a minimum deposit of $10 and is online-only, providing a straightforward savings solution without direct deposit requirements or maintenance fees. In contrast, Capital One also has a strong mobile app experience, rated 4.9 for iOS and 4.5 for Android, but its savings account yields less. For those seeking higher returns, Zynlo Bank is the clear choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Zynlo Bank Savings Calculator
You earn $55 more with Zynlo Bank than Capital One on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Zynlo Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | 360 Performance Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.1 Android3.5 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Zynlo Bank |
|---|---|---|
| 360 Performance Savings | Tomorrow Savings Account | |
Current APY | 3.30% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -4.4 |
Days Since Change | 13 | 23 |
10-Month High | 3.70% | 4.35% |
10-Month Low | 3.30% | 3.85% |
Adjustments / Mo | 0.39 | 0.29 |
Volatility Score | 0.030 | 0.039 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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