Upgrade vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier 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.
Upgrade vs. Zynlo Bank Savings Calculator
Zynlo Bank earns $637.4 more than Upgrade.
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
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 Upgrade vs. Zynlo Bank
Why Upgrade?
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.5 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% vs 3.05%) 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 $305/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $763/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
UpgradeUpgrade offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.5 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $100 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Zynlo Bank's Tomorrow Savings Account offers a competitive APY of 4.05%, making it the winner between the two banks. This account is online-only and requires a minimum deposit of just $10, with no maintenance fees or direct deposit requirements. In contrast, Upgrade's Premier Savings account provides a lower APY of 3.05% and requires a minimum balance of $1,000, although it also has no maintenance fees and is online-only. Both banks offer daily compounding and are FDIC insured. Zynlo Bank stands out for its higher returns and simpler account requirements.
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 Upgrade and Zynlo Bank.
| Feature | Upgrade | Zynlo Bank |
|---|---|---|
| APY | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change | 4.05% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | Premier Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $1,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Upgrade | Zynlo Bank |
|---|---|---|
| Premier Savings | Tomorrow Savings Account | |
Current APY | 3.05% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -12.6 | -2.7 |
Days Since Change | 39 | 18 |
9-Month High | 4.14% | 4.35% |
9-Month Low | 3.05% | 4.05% |
Adjustments / Mo | 0.33 | 0.22 |
Volatility Score | 0.108 | 0.023 |
How to read these metrics(Click to expand)
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