TD Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
TD Bank vs. Zynlo Bank Savings Calculator
Zynlo Bank earns $2,438.4 more than TD Bank.
TD Bank
TD Signature Savings
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TD Bank vs. Zynlo Bank
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.0 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $0/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $0/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
TD BankTD Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.0 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $400 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Zynlo Bank offers a superior savings option with its Tomorrow Savings Account, boasting an APY of 4.05%. This online-only account requires a minimum deposit of just $10 and has no maintenance fees, making it an attractive choice for savers. In contrast, TD Bank's TD Signature Savings provides a tiered APY of 2.75%, but this rate is contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000. While TD Bank also has a strong mobile app experience, Zynlo Bank stands out for its simplicity and higher returns, especially for smaller deposits.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both TD Bank and Zynlo Bank.
| Feature | TD Bank | Zynlo Bank |
|---|---|---|
| APY | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.05% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | TD Signature Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $100,000 | $0.01 |
| Monthly Fee | $10. Waived under some circumstances. | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.0 | iOS4.0 Android3.5 |
| BBB Rating | Not Rated | A+ |
| Important Notes | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TD Bank | Zynlo Bank |
|---|---|---|
| TD Signature Savings | Tomorrow Savings Account | |
Current APY | 2.75% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.9 | -2.7 |
Days Since Change | 68 | 18 |
9-Month High | 3.51% | 4.35% |
9-Month Low | 2.75% | 4.05% |
Adjustments / Mo | 0.33 | 0.22 |
Volatility Score | 0.073 | 0.023 |
How to read these metrics(Click to expand)
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