Fvcbank vs Zynlo Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of FVCbank vs. Zynlo Bank
As of 9/5/2025 both FVCbank (Advantage Direct Savings) and Zynlo Bank (Tomorrow Savings Account) offer an APY of 4.35% .
Both banks yield $435 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
FVCbank
Strengths
- FVCbank offers a higher App Store rating of 4.4 compared to Zynlo Bank's 4.0.
- FVCbank has an A+ BBB rating, while Zynlo Bank is not BBB accredited.
Potential Drawbacks
- FVCbank requires a minimum deposit of $500 for the Advantage Direct Savings account.
Zynlo Bank
Strengths
- Zynlo Bank has a lower minimum deposit of $10 for the Tomorrow Savings Account.
- Zynlo Bank's Tomorrow Savings Account has no minimum balance requirement.
Potential Drawbacks
- Zynlo Bank has a lower App Store rating of 4.0 compared to FVCbank's 4.4.
- Zynlo Bank is not BBB accredited despite having an A+ BBB rating.
Summary: Both FVCbank and Zynlo Bank offer high-yield savings accounts with an APY of 4.35%. However, FVCbank has a higher App Store rating and is BBB accredited, while Zynlo Bank has a lower minimum deposit requirement and no minimum balance. FVCbank's account requires a $500 minimum deposit, whereas Zynlo Bank's account only requires $10, making it more accessible for some customers.
Compare FVCbank's vs Zynlo Bank's Savings Accounts
| FVCbank | Zynlo Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Tomorrow Savings Account |
| APY | 4.35% (as of 9/5/2025) | 4.35% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $10 | |
| Minimum Balance for APY | $500 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.4/5 | 4.0/5 | |
| Google Play Rating | 3.4/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| FVCbank | Zynlo Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.35 % | 4.35 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | -0.0 | |
| Rate Changes / Mo | 0.71 | 0.00 | |
| Days Since Last Change | 42 | 169 | |
| High (-6 m) | 4.55 % | 4.35 % | |
| Low (-6 m) | 4.35 % | 4.35 % | |
| Draw-down from High | -4.4 % | 0.0 % | |
| Volatility (CV) | 0.019 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 170 days.
- Low (-6 m)
- Lowest APY in the last 170 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for FVCbank vs Zynlo Bank
All calculations are based on APY.
FVCbank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewZynlo Bank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be the same as Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare FVCbank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FVCbank vs Ally Bank | 3.50% | $0 |
| FVCbank vs American Express | 3.50% | $0 |
| FVCbank vs Axos Bank | 4.46% | $0 |
| FVCbank vs Bank of America | 0.01% | $100 |
| FVCbank vs Barclays | 4.10% | $0 |
| FVCbank vs BrioDirect | 4.30% | $5,000 |
| FVCbank vs Capital One | 3.50% | $0 |
| FVCbank vs Chase Bank | 0.01% | $0 |
| FVCbank vs Chime | 3.75% | $0 |
| FVCbank vs CIT Bank | 4.00% | $100 |
| FVCbank vs Discover Bank | 3.50% | $0 |
| FVCbank vs Elevault | 4.60% | $0 |
| FVCbank vs EverBank | 4.30% | $0 |
| FVCbank vs Fitness Bank | 4.75% | $100 |
| FVCbank vs GO2bank | 4.50% | $0 |
| FVCbank vs Marcus by Goldman Sachs | 3.65% | $0 |
| FVCbank vs Neighbors Bank | 4.60% | $0 |
| FVCbank vs Newtek Bank | 4.35% | $0 |
| FVCbank vs Peak Bank | 4.35% | $100 |
| FVCbank vs Pibank | 4.60% | $0 |
| FVCbank vs Presidential Bank | 4.50% | $5,000 |
| FVCbank vs Santander Bank | 0.03% | $25 |
| FVCbank vs SoFi Bank | 3.80% | $0 |
| FVCbank vs Synchrony Bank | 3.80% | $0 |
| FVCbank vs TIMBR | 4.40% | $1,000 |
| FVCbank vs UFB Direct | 4.21% | $5000 |
| FVCbank vs Varo Bank | 5.00% | $0 |
| FVCbank vs Wells Fargo | 2.51% | $25 |
Compare Zynlo Bank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Zynlo Bank vs Ally Bank | 3.50% | $0 |
| Zynlo Bank vs American Express | 3.50% | $0 |
| Zynlo Bank vs Axos Bank | 4.46% | $0 |
| Zynlo Bank vs Bank of America | 0.01% | $100 |
| Zynlo Bank vs Barclays | 4.10% | $0 |
| Zynlo Bank vs BrioDirect | 4.30% | $5,000 |
| Zynlo Bank vs Capital One | 3.50% | $0 |
| Zynlo Bank vs Chase Bank | 0.01% | $0 |
| Zynlo Bank vs Chime | 3.75% | $0 |
| Zynlo Bank vs CIT Bank | 4.00% | $100 |
| Zynlo Bank vs Discover Bank | 3.50% | $0 |
| Zynlo Bank vs Elevault | 4.60% | $0 |
| Zynlo Bank vs EverBank | 4.30% | $0 |
| Zynlo Bank vs Fitness Bank | 4.75% | $100 |
| Zynlo Bank vs GO2bank | 4.50% | $0 |
| Zynlo Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Zynlo Bank vs Neighbors Bank | 4.60% | $0 |
| Zynlo Bank vs Newtek Bank | 4.35% | $0 |
| Zynlo Bank vs Peak Bank | 4.35% | $100 |
| Zynlo Bank vs Pibank | 4.60% | $0 |
| Zynlo Bank vs Presidential Bank | 4.50% | $5,000 |
| Zynlo Bank vs Santander Bank | 0.03% | $25 |
| Zynlo Bank vs SoFi Bank | 3.80% | $0 |
| Zynlo Bank vs Synchrony Bank | 3.80% | $0 |
| Zynlo Bank vs TIMBR | 4.40% | $1,000 |
| Zynlo Bank vs UFB Direct | 4.21% | $5000 |
| Zynlo Bank vs Varo Bank | 5.00% | $0 |
| Zynlo Bank vs Wells Fargo | 2.51% | $25 |