The ZYNLO 12-Month CD‡ offers 4.30% Annual Yield Percentage (APY)—perfect for those seeking strong returns without the commitment of a longer term— and no minimum deposit requirement. Enjoy predictable growth on your savings.
4.30%
APY
CDs can be an excellent choice when you're looking for steady, predictable investment income that is federally insured. With predictable returns and no exposure to market fluctuations, CDs provide a safe and reliable way to grow your savings over a fixed term.
4.30%
APY
12 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
Whether you're starting small or saving big, open an account online in minutes!
Say Goodbye to Fees with ZYNLO
No tricks or hidden monthly fees—just straightforward banking.
At maturity, you have a 10-day grace period to withdraw or transfer your funds. If no action is taken, your 12-Mo CD will auto renew into a fixed-rate 10-Mo CD 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 a 4.30% APY of 12-months term.
A high-yield Money Market Account from ZYNLO earns you 7X the national average with no account fees.^
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Routing # 011875428
ZYNLO® is a registered trademark of PeoplesBank. A division of PeoplesBank, Holyoke, MA.
‡ZYNLO 12-Month Certificate of Deposit: The minimum balance needed to obtain the Annual Percentage Yield (APY) is $0.01. APY valid as of 04/21/2025 and subject to change without notice. Competitive rates are reviewed periodically. Early withdrawal penalty is equal to 3 months’ interest on the principal amount withdrawn. Must be 18 or older to open an account.
(§)The average national 12-Mo CD account interest rate of 1.75% Annual Percentage Yield (APY) is determined by the FDIC as of 05/19/2025, 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: The minimum balance needed to obtain the Annual Percentage Yield (APY) is $0.01. APY is valid as of 01/09/2025 and subject to change without notice. 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.
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