Salem Five Direct vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Salem Five Direct vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Salem Five Direct | Zynlo Bank |
|---|---|---|
| Top Savings APY | 3.71% eOne Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $10 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Salem Five Direct
Strengths
- Salem Five Direct offers a competitive APY of 3.71%, though it decreased from 4.01% in the last 30 days.
- Salem Five Direct has no maintenance fees for its eOne Savings account.
- Salem Five Direct has a high App Store rating of 4.7.
Potential Drawbacks
- Salem Five Direct is not BBB accredited and has a lower BBB rating of A-.
Zynlo Bank
Strengths
- Zynlo Bank provides a higher APY of 4.20% for its Tomorrow Savings Account.
- Zynlo Bank has a solid BBB rating of A+.
Potential Drawbacks
- Zynlo Bank has a lower App Store rating of 4.0 and a Google Play rating of 3.5.
→ As of November 14, 2025 Salem Five Direct offers an APY of 3.71% for its eOne Savings account, with a minimum balance of $0.01, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Zynlo Bank yields $49 more than Salem Five Direct on a $10,000 balance after one year. Salem Five Direct pays $371, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
Calculate Savings Growth for Salem Five Direct vs Zynlo Bank
Salem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
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, Salem Five Direct's total earnings would be $316.2 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Salem Five Direct's vs Zynlo Bank's Savings Accounts
| Salem Five Direct | Zynlo Bank | ||
|---|---|---|---|
| Product | eOne Savings | vs | Tomorrow Savings Account |
| APY | 3.71% (as of 11/14/2025) | 4.20% (as of 11/14/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $10 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.0/5 | |
| Google Play Rating | 4.2/5 | 3.5/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 8 Months)
| Salem Five Direct | Zynlo Bank | ||
|---|---|---|---|
| Product | eOne Savings | vs | Tomorrow Savings Account |
| Latest APY | 3.71 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -2.2 | -1.6 | |
| Rate Changes / Mo | 0.25 | 0.12 | |
| Days Since Last Change | 9 | 37 | |
| High (-8 m) | 4.01 % | 4.35 % | |
| Low (-8 m) | 3.71 % | 4.20 % | |
| Draw-down from High | -7.5 % | -3.4 % | |
| Volatility (CV) | 0.022 | 0.014 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 243 days.
- Low (-8 m)
- Lowest APY in the last 243 days.
- Draw-down from High
- How far today sits below the 8-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.