Peak Bank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Peak Bank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Peak Bank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.20% Envision High Yield Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $100 | $10 |
| Minimum Balance for Top APY | $0.01 |
Peak Bank
Strengths
- Peak Bank offers a competitive APY of 4.20%, unchanged from 30 days ago.
- Peak Bank has a higher App Store rating of 4.8 compared to Zynlo Bank's 4.0.
- No maintenance fees for the Envision High Yield Savings account at Peak Bank.
Potential Drawbacks
- Peak Bank has no physical branches, which may limit customer service options.
- The minimum deposit for Peak Bank's account is $100, higher than Zynlo Bank's $10.
Zynlo Bank
Strengths
- Zynlo Bank also offers a competitive APY of 4.20%, unchanged from 30 days ago.
- Zynlo Bank has a lower minimum deposit requirement of $10 for its savings account.
Potential Drawbacks
- Zynlo Bank has a lower Google Play rating of 3.5 compared to Peak Bank's 4.7.
- Zynlo Bank has no physical branches, which may limit customer service options.
→ As of 10/21/2025 both Peak Bank (Envision High Yield 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 Peak Bank vs Zynlo Bank
Peak Bank - Envision High Yield Savings
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 - Tomorrow Savings Account
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, 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.
Compare Peak Bank's vs Zynlo Bank's Savings Accounts
| Peak Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Envision High Yield Savings | vs | Tomorrow Savings Account |
| APY | 4.20% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| 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 | 4.7/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| Peak Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Envision High Yield Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.20 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.1 | -0.7 | |
| Rate Changes / Mo | 0.41 | 0.14 | |
| Days Since Last Change | 20 | 12 | |
| High (-7 m) | 4.54 % | 4.35 % | |
| Low (-7 m) | 4.20 % | 4.20 % | |
| Draw-down from High | -7.5 % | -3.4 % | |
| Volatility (CV) | 0.022 | 0.008 |
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 219 days.
- Low (-7 m)
- Lowest APY in the last 219 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.