Lending Club vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of LendingClub vs. Zynlo Bank
Key Metrics at a Glance
| Feature | LendingClub | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.20% LevelUp Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. |
LendingClub
Strengths
- LendingClub offers a competitive APY of 4.20% for the LevelUp Savings account.
- LendingClub has a higher App Store rating of 4.8 compared to Zynlo Bank's 4.0.
- No maintenance fees for LendingClub's LevelUp Savings account.
Potential Drawbacks
- LendingClub's APY is unchanged from 30 days ago, while Zynlo Bank's has decreased.
- LendingClub requires a monthly deposit of $250 to earn the highest APY.
Zynlo Bank
Strengths
- Zynlo Bank's Tomorrow Savings Account has a low minimum deposit of $10.
- Zynlo Bank's APY was higher at 4.35% 30 days ago.
Potential Drawbacks
- Zynlo Bank has a lower App Store rating of 4.0 compared to LendingClub's 4.8.
- Zynlo Bank's current APY is 4.20%, lower than its previous APY.
→ As of 10/16/2025 both LendingClub (LevelUp Savings) and Zynlo Bank (Tomorrow Savings Account) offer an APY of 4.20% .
→ Both banks yield $420 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.
Calculate Savings Growth for LendingClub vs Zynlo Bank
LendingClub
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 OverviewZynlo Bank
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, LendingClub'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.
Compare LendingClub's vs Zynlo Bank's Savings Accounts
| LendingClub | Zynlo Bank | ||
|---|---|---|---|
| Product | LevelUp Savings | vs | Tomorrow Savings Account |
| APY | 3.20% - 4.20% (as of 10/16/2025) | 4.20% (as of 10/16/2025) | |
| 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 advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. | ||
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.5/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| LendingClub | Zynlo Bank | ||
|---|---|---|---|
| Product | LevelUp Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.20 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | -0.5 | |
| Rate Changes / Mo | 0.28 | 0.14 | |
| Days Since Last Change | 97 | 7 | |
| High (-7 m) | 4.50 % | 4.35 % | |
| Low (-7 m) | 4.20 % | 4.20 % | |
| Draw-down from High | -6.7 % | -3.4 % | |
| Volatility (CV) | 0.025 | 0.007 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 214 days.
- Low (-7 m)
- Lowest APY in the last 214 days.
- Draw-down from High
- How far today sits below the 7-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.