Timbr vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of TIMBR vs. Zynlo Bank
Key Metrics at a Glance
| Feature | TIMBR | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.40% Premium Savings Account | 4.20% Tomorrow Savings Account |
| Minimum to Open | $1,000 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% compared to Zynlo Bank's 4.20%.
- No maintenance fees for the Premium Savings Account at TIMBR.
- No minimum balance requirement for the Premium Savings Account.
Potential Drawbacks
- TIMBR does not have a mobile app rating to compare.
- No branches available for TIMBR customers.
- No direct deposit option for the Premium Savings Account.
Zynlo Bank
Strengths
- Zynlo Bank has a mobile App Store rating of 4.0.
- Zynlo Bank requires a low minimum deposit of $10 for the Tomorrow Savings Account.
- No maintenance fees for the Tomorrow Savings Account.
Potential Drawbacks
- Zynlo Bank's APY decreased from 4.35% to 4.20% in the last 30 days.
- No branches available for Zynlo Bank customers.
- No direct deposit option for the Tomorrow Savings Account.
Summary: TIMBR offers a higher APY of 4.40% versus Zynlo Bank's 4.20%, which recently dropped. Both banks have no maintenance fees or branch locations, but TIMBR lacks a mobile app rating, while Zynlo Bank has a 4.0 App Store rating. Additionally, Zynlo Bank has a lower minimum deposit of $10 compared to TIMBR's $1,000.
→ As of October 21, 2025 TIMBR offers an APY of 4.40% for its Premium Savings Account, with a minimum balance of $0, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ TIMBR yields $20 more than Zynlo Bank on a $10,000 balance after one year. TIMBR pays $440, while Zynlo Bank pays $420 - an APY advantage for TIMBR.
Calculate Savings Growth for TIMBR vs Zynlo Bank
All calculations are based on APY.
TIMBR - Premium Savings Account
Top APY: 4.40%
Total savings breakdown:
- Interest earned: $2,694.7 (13.02%)
- Total contributions: $13,000 (62.82%)
- Initial deposit: $5,000 (24.16%)
Your total balance
$20,694.70
Effective APY: 4.40% (based on your deposit and contributions)
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewZynlo Bank - Tomorrow Savings Account
Top APY: 4.20%
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
Effective APY: 4.20% (based on your deposit and contributions)
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, TIMBR's total earnings would be $130.4 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare TIMBR's vs Zynlo Bank's Savings Accounts
| TIMBR | Zynlo Bank | ||
|---|---|---|---|
| Product | Premium Savings Account | vs | Tomorrow Savings Account |
| APY | 4.40% (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 | $1,000 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | No | 4.0/5 | |
| Google Play Rating | No | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| TIMBR | Zynlo Bank | ||
|---|---|---|---|
| Product | Premium Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 4.40 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -1.4 | -0.7 | |
| Rate Changes / Mo | 0.14 | 0.14 | |
| Days Since Last Change | 190 | 12 | |
| High (-7 m) | 4.55 % | 4.35 % | |
| Low (-7 m) | 4.40 % | 4.20 % | |
| Draw-down from High | -3.3 % | -3.4 % | |
| Volatility (CV) | 0.011 | 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.
More Comparisons
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.40% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.51% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs Bask Bank | 4.05% | $0 |
| TIMBR vs BrioDirect | 4.20% | $5,000 |
| TIMBR vs Capital One | 3.40% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.50% | $0 |
| TIMBR vs CIT Bank | 3.85% | $100 |
| TIMBR vs Citizens Access™ | 3.50% | $0.01 |
| TIMBR vs Discover Bank | 3.40% | $0 |
| TIMBR vs Elevault | 4.34% | $0 |
| TIMBR vs EverBank | 4.05% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FNBO Direct | 3.00% | $1 |
| TIMBR vs FVCbank | 4.10% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs LendingClub | 4.20% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Neighbors Bank | 4.50% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.20% | $100 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.01% | $25 |
| TIMBR vs SoFi Bank | 4.50% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs UFB Direct | 3.96% | $5000 |
| TIMBR vs Valley Direct | 4.10% | $1,000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |