Peak Bank vs Zynlo Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Peak Bank vs. Zynlo Bank
As of 9/5/2025 both Peak Bank (Envision High Yield 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.
Peak Bank
Strengths
- Peak Bank offers a higher App Store rating of 4.8 compared to Zynlo Bank's 4.0.
- No maintenance fees on the Envision High Yield Savings account.
- Peak Bank has a higher Google Play rating of 4.6 versus Zynlo Bank's 3.5.
Potential Drawbacks
- Peak Bank has no physical branches available.
- Peak Bank does not offer a lower APY option.
- Peak Bank's minimum deposit for the high-yield account is $100.
Zynlo Bank
Strengths
- Zynlo Bank requires a lower minimum deposit of $10 for the Tomorrow Savings Account.
- Zynlo Bank has a minimum balance requirement of only $0.01.
- Zynlo Bank also offers a current APY of 4.35%.
Potential Drawbacks
- Zynlo Bank has a lower App Store rating of 4.0 compared to Peak Bank's 4.8.
- Zynlo Bank's Google Play rating is 3.5, lower than Peak Bank's 4.6.
- Zynlo Bank has no physical branches available.
Summary: Both Peak Bank and Zynlo Bank offer high-yield savings accounts with a current APY of 4.35%. However, Peak Bank excels with higher App Store and Google Play ratings. Zynlo Bank stands out with a lower minimum deposit requirement of $10 and a minimal balance of $0.01. Both banks lack physical branches and do not charge maintenance fees, but Peak Bank requires a higher initial deposit of $100.
Compare Peak Bank's vs Zynlo Bank's Savings Accounts
| Peak Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Envision High Yield 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 | Daily | Daily | |
| Minimum Deposit | $100 | $10 | |
| Minimum Balance for APY | N/A | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.6/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Peak Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Envision High Yield Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.35 % | 4.35 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.5 | 0.0 | |
| Rate Changes / Mo | 0.35 | 0.00 | |
| Days Since Last Change | 35 | 172 | |
| High (-6 m) | 4.54 % | 4.35 % | |
| Low (-6 m) | 4.35 % | 4.35 % | |
| Draw-down from High | -4.2 % | 0.0 % | |
| Volatility (CV) | 0.015 | 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 Peak Bank vs Zynlo Bank
All calculations are based on APY.
Peak 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 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, Peak Bank'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 Peak Bank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Peak Bank vs Ally Bank | 3.50% | $0 |
| Peak Bank vs American Express | 3.50% | $0 |
| Peak Bank vs Axos Bank | 4.46% | $0 |
| Peak Bank vs Bank of America | 0.01% | $100 |
| Peak Bank vs Barclays | 4.10% | $0 |
| Peak Bank vs BrioDirect | 4.30% | $5,000 |
| Peak Bank vs Capital One | 3.50% | $0 |
| Peak Bank vs Chase Bank | 0.01% | $0 |
| Peak Bank vs Chime | 3.75% | $0 |
| Peak Bank vs CIT Bank | 4.00% | $100 |
| Peak Bank vs Discover Bank | 3.50% | $0 |
| Peak Bank vs Elevault | 4.60% | $0 |
| Peak Bank vs EverBank | 4.30% | $0 |
| Peak Bank vs Fitness Bank | 4.75% | $100 |
| Peak Bank vs FVCbank | 4.35% | $500 |
| Peak Bank vs GO2bank | 4.50% | $0 |
| Peak Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Peak Bank vs Neighbors Bank | 4.60% | $0 |
| Peak Bank vs Newtek Bank | 4.35% | $0 |
| Peak Bank vs Pibank | 4.60% | $0 |
| Peak Bank vs Presidential Bank | 4.50% | $5,000 |
| Peak Bank vs Santander Bank | 0.03% | $25 |
| Peak Bank vs SoFi Bank | 3.80% | $0 |
| Peak Bank vs Synchrony Bank | 3.80% | $0 |
| Peak Bank vs TIMBR | 4.40% | $1,000 |
| Peak Bank vs UFB Direct | 4.21% | $5000 |
| Peak Bank vs Varo Bank | 5.00% | $0 |
| Peak Bank 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 FVCbank | 4.35% | $500 |
| 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 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 |