MutualOne Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 3.85% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $20,000 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | 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 MutualOne Bank vs. Zynlo Bank
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
MutualOne Bank pays $22 more than Zynlo Bank on a $10,000 balance after one year. MutualOne Bank pays $407, while Zynlo Bank pays $385 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.85%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 4.1)
- ✓Higher rated Android app (4.4 vs 3.5)
- ✓Fast transfers via Zelle®
Why Zynlo Bank?
No distinct advantages found vs MutualOne Bank.
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $963/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 4.1) and Android app rated 4.4 (vs. 3.5)
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $22 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
MutualOne Bank offers a competitive Mo Premium Savings account with a standout APY of 4.07%, making it the top choice for savers looking for higher returns without any direct deposit requirements or caps. In contrast, Zynlo Bank's Tomorrow Savings Account provides a lower APY of 3.85%, though it is accessible with a minimal deposit of just $10. Both banks feature no maintenance fees and are online-only, ensuring simplicity for users. For those who can meet the $20,000 minimum deposit, MutualOne Bank's offering is significantly more lucrative.
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
MutualOne Bank vs. Zynlo Bank Savings Calculator
You earn $44 more with MutualOne Bank than Zynlo Bank on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$770.00(3.7%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,770.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | Zynlo Bank |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | Mo Premium Savings | Tomorrow Savings Account |
| Minimum Deposit | $20,000 | $10 |
| Min. Balance for APY | $20,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.1 Android3.5 |
| Zelle® Support | Available Verified via website and app descriptions. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at MutualOne 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 | MutualOne Bank | Zynlo Bank | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | Tomorrow Savings Account | |
Current APY | 0.40% | 4.07% | 3.85% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -12.1 |
Days Since Change | 114 | 114 | 9 |
4-Month High | 0.40% | 4.07% | 4.35% |
4-Month Low | 0.40% | 4.07% | 3.85% |
Adjustments / Mo | 0.00 | 0.00 | 0.77 |
Volatility Score | 0.000 | 0.000 | 0.034 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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