Ivy Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ivy BankHigh-Yield Savings Account Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 0.05% - 4.10% | 3.85% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $2,500 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS App | 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 4.21% APY.
Comparison Analysis
Comparing Ivy Bank vs. Zynlo Bank
As of Ivy Bank offers an APY of 4.10% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Ivy Bank pays $25 more than Zynlo Bank on a $10,000 balance after one year. Ivy Bank pays $410, while Zynlo Bank pays $385 - an APY advantage for Ivy Bank.
Why Ivy Bank?
- ✓Higher potential APY (4.10% vs 3.85%) on all balances
- ✓Higher rated iOS app (4.7 vs 4.1)
Why Zynlo Bank?
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $385/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $963/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $25 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the higher-yield option compared to Zynlo Bank's Tomorrow Savings Account, which has an APY of 3.85%. Ivy Bank's account requires a minimum deposit of $2,500 and is available online only, while Zynlo Bank's account has a much lower minimum deposit of just $10 and also operates online. Both accounts have no maintenance fees, and direct deposit is not required for either. However, eligibility for Ivy Bank is restricted to residents of California and U.S. Territories (excluding the District of Columbia). Overall, Ivy Bank stands out for its higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ivy Bank vs. Zynlo Bank Savings Calculator
You earn $25 more with Ivy Bank than Zynlo 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.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
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 | Ivy Bank | Zynlo Bank |
|---|---|---|
| APY | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | High-Yield Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $2,500 | $10 |
| Min. Balance for APY | $2,500 | $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 | iOS4.7 Android3.5 | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Ivy Bank Non-sponsored link to official site | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | Zynlo Bank |
|---|---|---|
| High-Yield Savings Account | Tomorrow Savings Account | |
Current APY | 4.10% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.9 | -15.8 |
Days Since Change | 22 | 9 |
2-Month High | 4.25% | 4.20% |
2-Month Low | 4.10% | 3.85% |
Adjustments / Mo | 0.55 | 1.09 |
Volatility Score | 0.018 | 0.025 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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