Fnbo Direct vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of FNBO Direct vs. Zynlo Bank
Key Metrics at a Glance
| Feature | FNBO Direct | Zynlo Bank |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.20% Tomorrow Savings Account |
| Minimum to Open | $1 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
FNBO Direct
Strengths
- FNBO Direct offers a competitive APY of 3.00%.
- FNBO Direct has a higher App Store rating of 4.5.
- FNBO Direct has no maintenance fees.
Potential Drawbacks
- FNBO Direct does not offer a higher APY than 30 days ago.
- FNBO Direct has no branches.
Zynlo Bank
Strengths
- Zynlo Bank offers a higher APY of 4.20%.
- Zynlo Bank has a minimum deposit of only $10.
Potential Drawbacks
- Zynlo Bank has a lower App Store rating of 4.0.
- Zynlo Bank is not BBB Accredited.
→ As of November 16, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online 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 $120 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
Calculate Savings Growth for FNBO Direct vs Zynlo Bank
FNBO Direct - High-Yield Online Savings Account
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
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, FNBO Direct's total earnings would be $766.1 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs Zynlo Bank's Savings Accounts
| FNBO Direct | Zynlo Bank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Tomorrow Savings Account |
| APY | 3.00% (as of 11/16/2025) | 4.20% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.5/5 | 4.0/5 | |
| Google Play Rating | 4.8/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 4 Months)
| FNBO Direct | Zynlo Bank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 3.00 % | 4.20 % | |
| Trend | Falling | Falling | |
| Slope (bps/mo) | -9.4 | -5.5 | |
| Rate Changes / Mo | 0.26 | 0.26 | |
| Days Since Last Change | 44 | 38 | |
| High (-4 m) | 3.25 % | 4.35 % | |
| Low (-4 m) | 3.00 % | 4.20 % | |
| Draw-down from High | -7.7 % | -3.4 % | |
| Volatility (CV) | 0.040 | 0.017 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 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 (-4 m)
- Highest APY in the last 115 days.
- Low (-4 m)
- Lowest APY in the last 115 days.
- Draw-down from High
- How far today sits below the 4-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.