UFB Direct vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 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.
Comparison Analysis
Comparing UFB Direct vs. Zynlo Bank
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.3 vs 3.5)
- ✓Offers 2 different high-yield savings options
Why Zynlo Bank?
- ✓Higher potential APY (4.05% vs 3.51%-3.71%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $371/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $928/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
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.3 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $34 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Zynlo Bank offers the superior Tomorrow Savings Account with an APY of 4.05%, making it the winner in this comparison. This account requires a minimum deposit of just $10 and has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, UFB Direct's UFB Portfolio Savings account offers a lower APY of 3.51% but requires no minimum deposit or direct deposit, and it is also online-only. UFB Direct's Checking and Savings Bundle can yield a higher APY of 3.71% with conditions, but it necessitates a minimum balance of $10,000 and requires direct deposits. Overall, Zynlo Bank stands out for its higher yield and simpler terms.
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 UFB Direct and Zynlo Bank.
| Feature | UFB Direct | Zynlo Bank |
|---|---|---|
| APY | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | UFB Checking and Savings Bundle | Tomorrow Savings Account |
| Minimum Deposit | $5000 | $10 |
| Min. Balance for APY | $10,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.3 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Important Notes | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. | - |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Zynlo Bank earns $248.3 more than UFB Direct.
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
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.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | UFB Direct | Zynlo Bank | |
|---|---|---|---|
| UFB Checking and Savings Bundle | UFB Portfolio Savings | Tomorrow Savings Account | |
Current APY | 3.71% | 3.51% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.9 | -5.9 | -2.6 |
Days Since Change | 37 | 37 | 14 |
9-Month High | 4.21% | 4.01% | 4.35% |
9-Month Low | 3.71% | 3.51% | 4.05% |
Adjustments / Mo | 0.34 | 0.34 | 0.23 |
Volatility Score | 0.048 | 0.051 | 0.022 |
How to read these metrics(Click to expand)
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