CIT Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CIT BankPlatinum Savings Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.25% - 3.75% | 3.85% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $100 | $10 |
Snapshot view. Rates subject to change. | ||
Terms | This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%. | - |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® 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 CIT Bank vs. Zynlo Bank
As of CIT Bank offers an APY of 3.75% for its Platinum Savings account, with a minimum balance of $5,000, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank pays $10 more than CIT Bank on a $10,000 balance after one year. CIT Bank pays $375, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
In addition, CIT Bank also offers 3.65% APY for the Savings Connect account, with a minimum balance of $0.
Why CIT Bank?
- ✓Higher rated iOS app (4.8 vs 4.1)
- ✓Higher rated Android app (4.6 vs 3.5)
- ✓Offers 2 different high-yield savings options
- ✓Fast transfers via Zelle®
Why Zynlo Bank?
No distinct advantages found vs CIT Bank.
— Key Feature Differences —
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
CIT BankCIT Bank offers an iOS app rated 4.8 (vs. 4.1) and Android app rated 4.6 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $10 more interest on a $10,000 balance than CIT Bank's Platinum 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 winner in this comparison. This account requires a minimum deposit of just $10 and has no maintenance fees, direct deposit requirements, or balance caps, emphasizing simplicity. In contrast, CIT Bank provides the Platinum Savings account with a lower APY of 3.75%, which necessitates a minimum balance of $5,000 to earn the higher rate, while lower balances yield only 0.25%. CIT Bank's Savings Connect account offers a slightly lower APY of 3.65% but does not have a balance requirement. Both banks operate online only and provide FDIC insurance.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
CIT Bank vs. Zynlo Bank Savings Calculator
You earn $10 more with Zynlo Bank than CIT Bank 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.
CIT Bank
Platinum Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | CIT Bank | Zynlo Bank |
|---|---|---|
| APY | 3.75% Range: 0.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Platinum Savings | Tomorrow Savings Account |
| Minimum Deposit | $100 | $10 |
| Min. Balance for APY | $5,000 | $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 | iOS4.8 Android4.6 | iOS4.1 Android3.5 |
| Zelle® Support | Available Supported for eChecking users post-First Citizens merger. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%. | - |
| Next Steps | Visit SiteGo to CIT Bank * Secure link to our partner | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | CIT Bank | Zynlo Bank | |
|---|---|---|---|
| Savings Connect | Platinum Savings | Tomorrow Savings Account | |
Current APY | 3.65% | 3.75% | 3.85% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.2 | -4.4 | -4.4 |
Days Since Change | 62 | 62 | 23 |
10-Month High | 4.00% | 4.30% | 4.35% |
10-Month Low | 3.65% | 3.75% | 3.85% |
Adjustments / Mo | 0.29 | 0.39 | 0.29 |
Volatility Score | 0.035 | 0.036 | 0.039 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare CIT Bank vs...
Comparing against Standard Savings
Compare Zynlo Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.