Valley Direct vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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 Valley Direct vs. Zynlo Bank
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.5 vs 3.5)
Why Zynlo Bank?
- ✓Available to New & Existing Customers
— Key Feature Differences —
Best Mobile App Experience
Valley DirectValley Direct offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.5 (vs. 3.5)
Shared Benefits
Over a 1-year period, Valley Direct's High-Yield Savings Account pays $5 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
Executive Summary
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, available to new customers, while existing customers receive a lower rate of 3.50%. This account requires a minimum deposit of $1,000 and has no maintenance fees. In comparison, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 4.05%, with a minimum deposit of just $10 and also no maintenance fees. Both accounts are online-only and allow for daily compounding. Valley Direct is noted for its superior mobile app experience, making it a strong choice for tech-savvy customers.
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 Valley Direct and Zynlo Bank.
| Feature | Valley Direct | Zynlo Bank |
|---|---|---|
| APY | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | High-Yield Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $1,000 | $10 |
| Min. Balance for APY | $0.01 | $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 | iOS4.8 Android4.5 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Important Notes | Promo rate for new customers. 3.50% APY applies to existing customers. | - |
| Next Steps |
Savings Comparison
Valley Direct earns $32.4 more than Zynlo Bank.
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 | Valley Direct | Zynlo Bank |
|---|---|---|
| High-Yield Savings Account | Tomorrow Savings Account | |
Current APY | 4.10% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.9 | -2.6 |
Days Since Change | 71 | 14 |
9-Month High | 4.40% | 4.35% |
9-Month Low | 4.05% | 4.05% |
Adjustments / Mo | 0.68 | 0.23 |
Volatility Score | 0.025 | 0.022 |
How to read these metrics(Click to expand)
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