Neighbors Bank vs Zynlo Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
We earn a commission if you open an account through some links on this page.
Summary of Neighbors Bank vs. Zynlo Bank
As of September 5, 2025 Neighbors Bank offers an APY of 4.60% for its Neighbors Savings Account, with a minimum balance of $0, compared to Zynlo Bank's 4.35% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Neighbors Bank yields $25 more than Zynlo Bank on a $10,000 balance after one year. Neighbors Bank pays $460, while Zynlo Bank pays $435 - an APY advantage for Neighbors Bank.
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.60% for its Neighbors Savings Account.
- No maintenance fees for the Neighbors Savings Account.
- Available at a physical location in Columbia, Missouri.
Potential Drawbacks
- Neighbors Bank has a lower App Store rating of 3.3.
- Limited to one branch location.
Zynlo Bank
Strengths
- Zynlo Bank has a higher Google Play rating of 3.5.
- Requires only a $10 minimum deposit for the Tomorrow Savings Account.
Potential Drawbacks
- Zynlo Bank's APY is lower at 4.35%.
- No physical branches available.
Summary: Neighbors Bank provides a superior APY of 4.60% compared to Zynlo Bank's 4.35%. However, Zynlo Bank has a better Google Play rating and lower minimum deposit requirements. Neighbors Bank offers the advantage of a physical branch, while Zynlo Bank operates online only. Both banks have an A+ BBB rating but are not accredited.
Compare Neighbors Bank's vs Zynlo Bank's Savings Accounts
| Neighbors Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Tomorrow Savings Account |
| APY | 4.60% (as of 9/5/2025) | 4.35% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $0 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Not available in Delaware. | United States | |
| Note | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 3.3/5 | 4.0/5 | |
| Google Play Rating | 4.3/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Neighbors Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 4.60 % | 4.35 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 172 | 172 | |
| High (-6 m) | 4.60 % | 4.35 % | |
| Low (-6 m) | 4.60 % | 4.35 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 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 173 days.
- Low (-6 m)
- Lowest APY in the last 173 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 Neighbors Bank vs Zynlo Bank
All calculations are based on APY.
Neighbors Bank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
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, Neighbors Bank's total earnings would be $163.8 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Neighbors Bank's APY of 4.60% with other banks
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 FVCbank | 4.35% | $500 |
| Zynlo Bank vs GO2bank | 4.50% | $0 |
| Zynlo Bank vs Marcus by Goldman Sachs | 3.65% | $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 |