Salem Five Direct vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Salem Five DirecteOne Savings Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.61% | 3.85% |
Est. Earnings | $5,000+$181 $10,000+$361 $25,000+$903 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $10 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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 Salem Five Direct vs. Zynlo Bank
As of Salem Five Direct offers an APY of 3.61% for its eOne 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.
Zynlo Bank pays $24 more than Salem Five Direct on a $10,000 balance after one year. Salem Five Direct pays $361, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why Salem Five Direct?
- ✓Higher rated iOS app (4.7 vs 4.1)
- ✓Higher rated Android app (4.2 vs 3.5)
- ✓Fast transfers via Zelle®
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.61%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $361/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $903/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Salem Five DirectSalem Five Direct offers an iOS app rated 4.7 (vs. 4.1) and Android app rated 4.2 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $24 more interest on a $10,000 balance than Salem Five Direct's eOne Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank offers a competitive Tomorrow Savings Account with an APY of 3.85%, making it the higher-yield option compared to Salem Five Direct's eOne Savings, which has an APY of 3.61%. Both accounts require a minimum deposit of $10 and have no maintenance fees, with Zynlo's account compounding daily versus Salem Five's monthly. Notably, Zynlo Bank's account is praised for its simplicity, as it does not require direct deposit or bundling. Both banks operate online-only, providing easy access to their services.
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
Salem Five Direct vs. Zynlo Bank Savings Calculator
You earn $24 more with Zynlo Bank than Salem Five Direct 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.
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
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 | Salem Five Direct | Zynlo Bank |
|---|---|---|
| APY | 3.61% Verified: 1/7/2026 ↘︎ 0.40%90d Change | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | eOne Savings | Tomorrow Savings Account |
| Minimum Deposit | $10 | $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 | iOS4.7 Android4.2 | iOS4.1 Android3.5 |
| Zelle® Support | Available Uses shared Salem Five mobile platform. | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Salem Five 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 | Salem Five Direct | Zynlo Bank |
|---|---|---|
| eOne Savings | Tomorrow Savings Account | |
Current APY | 3.61% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.2 | -3.8 |
Days Since Change | 21 | 9 |
10-Month High | 4.01% | 4.35% |
10-Month Low | 3.61% | 3.85% |
Adjustments / Mo | 0.30 | 0.30 |
Volatility Score | 0.039 | 0.033 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Salem Five Direct vs...
Comparing against Standard Savings
Compare Zynlo Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.