ZYNLO Certificates of Deposit‡ (CDs) offer competitive Annual Percentage Yields (APYs) across multiple terms—perfect for those seeking predictable growth, strong returns and flexibility. No minimum deposit required. Enjoy predictable growth on your savings.
4.15%
APY6 Month CD4.05%
APY12 Month CD3.75%
APY18 Month CD3.65%
APY24 month CD
CDs are an excellent choice for steady, predictable growth without market risk. With competitive returns and multiple term options, ZYNLO CDs offer a safe, reliable way to grow your savings.
4.15%
APY
6 Months
High-Yield Returns
Earn more than 2x the national average—maximize your savings with our competitive APY!(§)
Low Risk
FDIC insured with a fixed rate—no market swings.
Set-it-and-Forget-it Savings
Once funded, no management needed—your CD earns automatically and rolls over at maturity for continued growth.
Easy to Open
No minimum deposit; open online in minutes.
Say Goodbye to Fees with ZYNLO
No tricks or hidden monthly fees—just straightforward banking.
At maturity, you’ll have a 10-day grace period to withdraw or transfer your funds. If no action is taken, your CD will automatically renew for the same term at the current market rate.
Enter the amount you’re depositing and the length of your ZYNLO CD term. See how your savings GROW!
These calculations are for representative purposes, and assume the current APY for ZYNLO CD products.
A high-yield Money Market Account from ZYNLO earns you 7X the national average with no monthly account fees.^
Get started nowA division of PeoplesBank, Holyoke, MA.
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Routing # 011875428
ZYNLO® is a registered trademark of PeoplesBank. A division of PeoplesBank, Holyoke, MA.
‡ZYNLO Certificate of Deposit: There is no minimum deposit required to open this account. The minimum balance to obtain APY on Certificates of Deposit is $0.01. CD rates are fixed for the term of the account. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). A penalty may be imposed for early withdrawal from a CD and is based on the maturity term and could reduce earnings. Transaction Limitations apply. Refer to the Important Terms and Conditions, Certificate of Deposit Accounts – Truth In Savings Disclosure for the early withdrawal penalties and additional information. Must be 18 or older to open an account. Refer to the ZYNLO Rate Sheet for current rates.
(§)The average national 12-Mo CD account interest rate of 1.64% Annual Percentage Yield (APY) is determined by the FDIC as of 11/17/2025, and is based on a simple average of rates paid by all insured depository institutions and branches for which data are available. Visit FDIC: National Rates and Rate Caps to learn more. Competitive rates are reviewed periodically.
^ZYNLO Money Market Account: There is no minimum deposit required to open this account. The minimum balance to earn the Annual Percentage Yield (APY) is $0.01. APY is valid as of 11/21/2025 and is subject to change without notice. Fees may reduce earnings on an account. There is no monthly maintenance service charge, regardless of your balance. Competitive rates are reviewed periodically.
†We may impose a penalty if you withdraw any or all of the principal before the maturity date. The fee imposed will equal 3 months of interest. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
1National Average data for 6, 12 & 24Mo CDs as of 11/17/2025. Please visit FDIC: National Rates and Rate Caps to learn more. 18Mo national avg figure as of 11/20/2025. Please visit Best 18-Month CD Rates to learn more. Competitive rates are reviewed periodically.
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