What are the current interest rates at Zynlo Bank?

Current rates for Zynlo Bank include: 12-Month CD: 3.85%, 18-Month CD: 3.75%, 24-Month CD: 3.65%, Savings: 3.90%

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Zynlo Bank Rates & Review September 2026

Q: How many branches does Zynlo Bank operate?

Zynlo Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Zynlo Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Zynlo Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 27, 2026

Zynlo Bank's top rates as of September 27, 2026 are 3.95% APY on its 6-Months 6-Month CD, and 3.90% APY on savings, according to rates verified by MonitorBankRates. Other Zynlo Bank CD rates include 12-Months 12-Month CD at 3.85%, 18-Months 18-Month CD at 3.75%, and 24-Months 24-Month CD at 3.65%. MonitorBankRates evaluates the financial stability of Zynlo Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.27%. Rates last updated and verified on 09/27/2026.

Zynlo Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Zynlo Bank? Share your experience about Zynlo Bank by leaving a review below, or read customer reviews before you decide to use Zynlo Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.27%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Zynlo Bank

330 Whitney Ave
Holyoke, MA 01040

https://www.zynlobank.com

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Zynlo Bank CD Rates

Product	Rate	APY	Term
6 Month CD	3.87%	3.95%	6 months
Rate History No change since Sep 24, 2026 · 3.95% APY · checked 2 times Min Balance $0 Details Early Withdrawal Penalty: 3 months' interest Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 Month CD	3.78%	3.85%	12 months
Rate History No change since Sep 24, 2026 · 3.85% APY · checked 2 times Min Balance $0 Details Early Withdrawal Penalty: 3 months' interest Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
18 Month CD	3.68%	3.75%	18 months
Rate History No change since Sep 24, 2026 · 3.75% APY · checked 2 times Min Balance $0 Details Early Withdrawal Penalty: 6 months' interest Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
24 Month CD	3.59%	3.65%	24 months
Rate History No change since Sep 24, 2026 · 3.65% APY · checked 2 times Min Balance $0 Details Early Withdrawal Penalty: 6 months' interest Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Zynlo Bank Savings Rates

Product	Rate	APY
Money Market Savings Account	-	3.90%
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $0 Details No Monthly Fees \| No minimum account balance requirements -and unlimited transactions. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Tomorrow Savings Account	-	3.85%
Rate History No change since Sep 24, 2026 · 3.85% APY · checked 2 times Min Balance $0 Details No monthly fees or minimum balance requirements. Competitive rates are reviewed periodically. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Zynlo Bank Money Market Rates

Product	Rate	APY	View More
Money Market Savings Account	-	3.90%
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $0 Details No Monthly Fees \| No minimum account balance requirements -and unlimited transactions. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Zynlo Bank Checking Rates

Product	Rate	APY	View More
Checking	-	2.00%
Rate History No change since Sep 27, 2026 · 2.00% APY Min Balance $0 Details No monthly fees or minimum balance requirements. Competitive rates are reviewed periodically. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Zynlo Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
ZYNG Round Up and Match Bonus	-	-	4.11%
Rate History No change since Sep 27, 2026 · 4.11% APY Min Balance $0 Details ZYNG automatically rounds up debit card purchases to the nearest dollar and transfers that amount from your ZYNLO More Spending Account into your ZYNLO Tomorrow Savings Account. ZYNG will match roundups at 100% for the first 100 days. After the first 100 days, ZYNG will match roundups at 100% if your More Spending Account had an average daily balance (ADB) of at least $3,000 in the previous statement cycle. If your ADB was below $3,000 in the previous statement cycle, roundups will be matched at 25% for the current statement cycle. After not qualifying, you can return to the 100% match if the minimum ADB is met. Matches are applied in real time, and your match percentage is recalculated each month based on the ADB from the prior statement cycle. ZYNLO More Spending with ZYNG Round Up and Match return is estimated using $3,000 average daily balance, 20 monthly transactions, an average of $0.44 per roundup, and 100% match. ZYNLO reserves the right to monitor and assess ZYNG Match transactions for unusual and unnatural use of this benefit. At our sole discretion, ZYNLO may determine that an account has displayed unusual or unnatural use of the ZYNG benefit. Once an account has been identified for using ZYNG in an unnatural manner based on typical customer behavior, ZYNLO reserves the right to (1) remove the account from any and all promotions and campaigns, (2) implement a pause, or pursue closure of the account, and (3) reclaim any ZYNLO Match contributions associated with transactions deemed unnatural or in violation of the ZYNG program. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Zynlo Bank’s Texas Ratio stayed near 5.48% in Q3 2023 to 5.27% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.6B	5.27%	5.0	A+
March 31, 2026	$4.6B	6.04%	5.0	A
December 31, 2025	$4.5B	5.89%	5.0	A+
September 30, 2025	$4.3B	6.84%	5.0	A
June 30, 2025	$4.3B	3.29%	5.0	A+
March 31, 2025	$4.3B	1.93%	5.0	A+
December 31, 2024	$4.3B	3.20%	5.0	A+
September 30, 2024	$4.3B	2.94%	5.0	A+
June 30, 2024	$4.4B	3.73%	5.0	A+
March 31, 2024	$4.2B	4.26%	5.0	A+
December 31, 2023	$4.1B	5.07%	5.0	A+
September 30, 2023	$3.9B	5.48%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Zynlo Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Zynlo Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Zynlo Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name PeoplesBank

Bank Holding Company PEOPLESBANCORP MHC

Address 330 Whitney Ave, Holyoke, MA 01040 · Hampden

Website https://www.zynlobank.com

FDIC Certificate # 90213

Established 18850317

FDIC Insurance Date 19850701

Domestic Offices 21

Total Branches 21

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4261%

Return on Equity (ROE) 4.8300%

Non-Performing Loans (NPL) 0.47%

Total Assets $4,622,834,000

Total Deposits $3,512,423,000

Equity Capital $409,406,000

Net Income $9,748,000

Headquarters Holyoke

Total Branches and Offices 21

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Zynlo Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Frequently Asked Questions About Zynlo Bank

How many branches does Zynlo Bank operate?

Zynlo Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Zynlo Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Zynlo Bank provides members with tools to manage their accounts and build a solid financial history.

Does Zynlo Bank offer online and mobile banking?

Most modern institutions like Zynlo Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.zynlobank.com.