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Zynlo Money Market

Editor reviewed

3.90% APY money market with unlimited withdrawals and no minimums

Rates verified July 23, 2026
High-Yield Savings
Open account
Tracked since2026
0 reviews tracked
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The Bottom Line

APY

3.9%

Biggest pro

MMA flexibility at HYSA-leader pricing

Biggest con

Small digital brand

At a glance

Rates verified July 23, 2026
APY
3.9%
Minimum deposit
None
Monthly fee
None
FDIC
Via PeoplesBank charter, $250k
Institution
ZYNLO Bank (division of PeoplesBank, MA)
ATM access
Yes

Is it worth it?

$390 a year on a $10,000 balance

At 3.9% APY, $10,000 earns about $390 in the first year, versus roughly $38 at the 0.38% FDIC national average. That is about $352 more for moving the same money. APY is variable and shown as of the date above.

What is Zynlo Money Market?

Editorial review
Zynlo delivers money market flexibility at high-yield-savings-leader pricing: Bankrate's #1 money market rate for July 2026 with none of the usual MMA minimums. The honest verdict: an excellent structure from a small digital brand, best when paired with its checking account. The account pays 3.90% APY on all balances as of July 2026 (Bankrate's top MMA table and zynlobank.com), with no minimum deposit, no minimum balance for the rate, and no monthly fee. Bankrate cites a $10 minimum in some listings, a minor discrepancy worth noting. Withdrawals are unlimited, and debit access comes via the companion checking account, which also offers round-up matching. FDIC insurance runs through the PeoplesBank (Massachusetts) charter to $250,000. The catches: Zynlo is a small digital brand, and its best features require pairing with the checking account.
how we evaluateSourcezynlobank.com ↗

Pros & Cons

Pros

  • MMA flexibility at HYSA-leader pricing
  • No fees
  • Unlimited withdrawals

Cons

  • Small digital brand
  • Best features require the checking pairing
  • Debit access only via the companion checking account

Key details

3.90% APY on all balancesBankrate's #1 money market rate for July 2026Unlimited withdrawalsRound-up matching on companion checkingDebit access via companion checkingNo fees or minimums

Explore More

Best High-Yield Savings

Zynlo Money Market FAQ

What is the current APY on Zynlo Money Market?

3.90% APY on all balances as of July 2026, per Bankrate's top money market table and zynlobank.com.

Is Zynlo Money Market FDIC insured?

Yes, through the PeoplesBank (Massachusetts) charter, insured up to $250,000 per depositor.

What are the minimums and fees?

No minimum deposit, no minimum balance requirement, and no monthly fee. Bankrate cites a $10 minimum in some listings, a minor discrepancy.

Source: zynlobank.com