Citibank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Citibank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Citibank
Strengths
- Citi Accelerate Savings has a minimum deposit of $0.
- Citi Accelerate Savings allows waiving the $4.50 maintenance fee with a balance over $500.
- Citi has a high App Store rating of 4.9.
Potential Drawbacks
- Citi's current APY is lower than 30 days ago, dropping from 3.40% to 3.35%.
- Citi has a low BBB rating of D- and is not accredited.
- Citi Accelerate Savings requires a direct deposit to earn the listed APY.
Zynlo Bank
Strengths
- Tomorrow Savings Account offers a higher current APY of 4.20%.
- Zynlo Bank has no maintenance fees.
- Zynlo Bank has a solid BBB rating of A+.
Potential Drawbacks
- Zynlo Bank has a lower App Store rating of 4.0.
- Zynlo Bank's Google Play rating is only 3.5.
- Zynlo Bank requires a minimum deposit of $10.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Zynlo Bank yields $85 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs Zynlo Bank
Citibank - Citi Accelerate Savings
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Total balance: $20,018.8
Earnings: $2,018.8
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, Citibank's total earnings would be $545.5 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs Zynlo Bank's Savings Accounts
| Citibank | Zynlo Bank | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Tomorrow Savings Account |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 4.20% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0.01 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| App Store Rating | 4.9/5 | 4.0/5 | ||
| Google Play Rating | 4.8/5 | 3.5/5 | ||
| BBB Rating | D- | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Citibank | Zynlo Bank | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Tomorrow Savings Account |
| Latest APY | 0.03 % | 3.35 % | 4.20 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -4.6 | -1.6 | |
| Rate Changes / Mo | 0.00 | 0.50 | 0.12 | |
| Days Since Last Change | 241 | 9 | 35 | |
| High (-8 m) | 0.03 % | 3.70 % | 4.35 % | |
| Low (-8 m) | 0.03 % | 3.35 % | 4.20 % | |
| Draw-down from High | 0.0 % | -9.5 % | -3.4 % | |
| Volatility (CV) | 0.000 | 0.032 | 0.013 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 242 days.
- Low (-8 m)
- Lowest APY in the last 242 days.
- Draw-down from High
- How far today sits below the 8-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.