Ufb Direct vs Zynlo Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of UFB Direct vs. Zynlo Bank
As of September 5, 2025 UFB Direct offers an APY of 4.21% for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000, compared to Zynlo Bank's 4.35% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank yields $14 more than UFB Direct on a $10,000 balance after one year. UFB Direct pays $421, while Zynlo Bank pays $435 - an APY advantage for Zynlo Bank.
In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.
UFB Direct
Strengths
- UFB Direct offers a competitive APY of 4.21% with the UFB Checking and Savings Bundle.
- UFB Direct has a higher App Store rating of 4.8 compared to Zynlo Bank's 4.0.
- UFB Direct is BBB Accredited, enhancing its trustworthiness.
Potential Drawbacks
- UFB Direct requires a minimum balance of $10,000 to achieve the highest APY.
- UFB Direct has no physical branches, limiting in-person service options.
- UFB Direct's Portfolio Savings account offers a lower APY of 4.01%.
Zynlo Bank
Strengths
- Zynlo Bank provides a higher APY of 4.35% with no minimum balance requirement.
- Zynlo Bank has a lower minimum deposit of $10 for account opening.
- Zynlo Bank has no maintenance fees on its Tomorrow Savings Account.
Potential Drawbacks
- Zynlo Bank is not BBB Accredited, which may affect trust.
- Zynlo Bank has a lower Google Play rating of 3.5 compared to UFB Direct.
- Zynlo Bank lacks a direct deposit option, which may limit some users.
Summary: UFB Direct offers a solid APY of 4.21% with a minimum balance requirement, while Zynlo Bank provides a higher APY of 4.35% with no minimum balance. UFB Direct is BBB Accredited and has better app ratings, but Zynlo Bank has lower entry requirements and no maintenance fees. Both banks operate online-only, impacting customer service options.
Compare UFB Direct's vs Zynlo Bank's Savings Accounts
| UFB Direct | Zynlo Bank | |||
|---|---|---|---|---|
| Product | UFB Checking and Savings Bundle | UFB Portfolio Savings | vs | Tomorrow Savings Account |
| APY | 4.01% - 4.21% (as of 9/5/2025) | 4.01% (as of 9/5/2025) | 4.35% (as of 9/5/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $5000 | $0 | $10 | |
| Minimum Balance for APY | $10,000 | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | Yes | No | No | |
| Note | The regular savings or money market APY may be boosted up to 4.21% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 4.8/5 | 4.0/5 | ||
| Google Play Rating | 4.7/5 | 3.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 6 Months)
| UFB Direct | Zynlo Bank | |||
|---|---|---|---|---|
| Product | UFB Checking and Savings Bundle | UFB Portfolio Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.21 % | 4.01 % | 4.35 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.00 | |
| Days Since Last Change | 172 | 172 | 172 | |
| High (-6 m) | 4.21 % | 4.01 % | 4.35 % | |
| Low (-6 m) | 4.21 % | 4.01 % | 4.35 % | |
| Draw-down from High | 0.0 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 173 days.
- Low (-6 m)
- Lowest APY in the last 173 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for UFB Direct vs Zynlo Bank
All calculations are based on APY.
UFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
Zynlo Bank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, UFB Direct's total earnings would be $120.4 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs BrioDirect | 4.30% | $5,000 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Elevault | 4.60% | $0 |
| UFB Direct vs EverBank | 4.30% | $0 |
| UFB Direct vs Fitness Bank | 4.75% | $100 |
| UFB Direct vs FVCbank | 4.35% | $500 |
| UFB Direct vs GO2bank | 4.50% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Neighbors Bank | 4.60% | $0 |
| UFB Direct vs Newtek Bank | 4.35% | $0 |
| UFB Direct vs Peak Bank | 4.35% | $100 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs Santander Bank | 0.03% | $25 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs TIMBR | 4.40% | $1,000 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |
Compare Zynlo Bank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Zynlo Bank vs Ally Bank | 3.50% | $0 |
| Zynlo Bank vs American Express | 3.50% | $0 |
| Zynlo Bank vs Axos Bank | 4.46% | $0 |
| Zynlo Bank vs Bank of America | 0.01% | $100 |
| Zynlo Bank vs Barclays | 4.10% | $0 |
| Zynlo Bank vs BrioDirect | 4.30% | $5,000 |
| Zynlo Bank vs Capital One | 3.50% | $0 |
| Zynlo Bank vs Chase Bank | 0.01% | $0 |
| Zynlo Bank vs Chime | 3.75% | $0 |
| Zynlo Bank vs CIT Bank | 4.00% | $100 |
| Zynlo Bank vs Discover Bank | 3.50% | $0 |
| Zynlo Bank vs Elevault | 4.60% | $0 |
| Zynlo Bank vs EverBank | 4.30% | $0 |
| Zynlo Bank vs Fitness Bank | 4.75% | $100 |
| Zynlo Bank vs FVCbank | 4.35% | $500 |
| Zynlo Bank vs GO2bank | 4.50% | $0 |
| Zynlo Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Zynlo Bank vs Neighbors Bank | 4.60% | $0 |
| Zynlo Bank vs Newtek Bank | 4.35% | $0 |
| Zynlo Bank vs Peak Bank | 4.35% | $100 |
| Zynlo Bank vs Pibank | 4.60% | $0 |
| Zynlo Bank vs Presidential Bank | 4.50% | $5,000 |
| Zynlo Bank vs Santander Bank | 0.03% | $25 |
| Zynlo Bank vs SoFi Bank | 3.80% | $0 |
| Zynlo Bank vs Synchrony Bank | 3.80% | $0 |
| Zynlo Bank vs TIMBR | 4.40% | $1,000 |
| Zynlo Bank vs Varo Bank | 5.00% | $0 |
| Zynlo Bank vs Wells Fargo | 2.51% | $25 |