Popular Direct vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Popular DirectPopular Direct Select Savings Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 3.85% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $100 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | 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 Popular Direct vs. Zynlo Bank
As of Popular Direct offers an APY of 3.90% for its Popular Direct Select Savings account, with a minimum balance of $0.01, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Popular Direct pays $5 more than Zynlo Bank on a $10,000 balance after one year. Popular Direct pays $390, while Zynlo Bank pays $385 - an APY advantage for Popular Direct.
Why Popular Direct?
No distinct advantages found vs Zynlo Bank.
Why Zynlo Bank?
- ✓Higher rated iOS app (4.1 vs 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $5 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
Popular Direct offers the highest APY with its Select Savings account, providing a competitive rate of 3.90%. This online-only account requires a minimum deposit of $100 and has no maintenance fees, making it an attractive option for savers. In comparison, Zynlo Bank's Tomorrow Savings Account offers a slightly lower APY of 3.85%, with a lower minimum deposit requirement of just $10, also featuring no maintenance fees. Both accounts compound daily and have no direct deposit requirements, but Popular Direct stands out as the winner based on the higher APY.
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
Popular Direct vs. Zynlo Bank Savings Calculator
You earn $5 more with Popular Direct than Zynlo Bank on a $10,000 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.
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Popular Direct | Zynlo Bank |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | Popular Direct Select Savings | Tomorrow Savings Account |
| Minimum Deposit | $100 | $10 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS1.3 Android1.3 | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Popular Direct 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 | Popular Direct | Zynlo Bank |
|---|---|---|
| Popular Direct Select Savings | Tomorrow Savings Account | |
Current APY | 3.90% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.2 | -3.8 |
Days Since Change | 23 | 9 |
10-Month High | 4.10% | 4.35% |
10-Month Low | 3.90% | 3.85% |
Adjustments / Mo | 0.51 | 0.30 |
Volatility Score | 0.013 | 0.033 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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