Elevault 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 Elevault vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Elevault | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.34% High Yield Savings Account | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
Elevault
Strengths
- Elevault offers a higher APY of 4.34% compared to Zynlo Bank's 4.20%.
- Elevault has no minimum deposit requirement for opening an account.
- Elevault has a lower APY decrease of 0.26% compared to Zynlo Bank's 0.34% decrease.
Potential Drawbacks
- Elevault's APY decreased from 4.60% in the last 30 days.
- Elevault has a lower App Store rating of 3.8 compared to Zynlo Bank's 4.0.
- Elevault does not have any branches.
Zynlo Bank
Strengths
- Zynlo Bank has a better App Store rating of 4.0.
- Zynlo Bank's APY only decreased by 0.34% in the last 30 days.
- Zynlo Bank requires a low minimum deposit of $10 to open an account.
Potential Drawbacks
- Zynlo Bank offers a lower APY of 4.20% compared to Elevault's 4.34%.
- Zynlo Bank's Google Play rating is lower at 3.5 compared to Elevault's 3.9.
- Zynlo Bank has no branches.
→ As of October 21, 2025 Elevault offers an APY of 4.34% for its High Yield Savings Account, with a minimum balance of $0, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Elevault yields $14 more than Zynlo Bank on a $10,000 balance after one year. Elevault pays $434, while Zynlo Bank pays $420 - an APY advantage for Elevault.
Calculate Savings Growth for Elevault vs Zynlo Bank
Elevault - High Yield Savings Account
Total savings breakdown:
- Interest earned: $2,655.5 (12.86%)
- Total contributions: $13,000 (62.94%)
- Initial deposit: $5,000 (24.21%)
Your total balance
$20,655.50
Total balance: $20,655.5
Earnings: $2,655.5
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, Elevault's total earnings would be $91.2 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Elevault's vs Zynlo Bank's Savings Accounts
| Elevault | Zynlo Bank | ||
|---|---|---|---|
| Product | High Yield Savings Account | vs | Tomorrow Savings Account |
| APY | 4.34% (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 | $0 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | ||
| App Store Rating | 3.8/5 | 4.0/5 | |
| Google Play Rating | 3.9/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 3 Months)
| Elevault | Zynlo Bank | ||
|---|---|---|---|
| Product | High Yield Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 4.34 % | 4.20 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -14.4 | -4.9 | |
| Rate Changes / Mo | 0.39 | 0.39 | |
| Days Since Last Change | 29 | 12 | |
| High (-3 m) | 4.60 % | 4.35 % | |
| Low (-3 m) | 4.34 % | 4.20 % | |
| Draw-down from High | -5.7 % | -3.4 % | |
| Volatility (CV) | 0.028 | 0.013 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 77 days.
- Low (-3 m)
- Lowest APY in the last 77 days.
- Draw-down from High
- How far today sits below the 3-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.