# ZYNLO vs Collegiate CU

The clearest difference is review sentiment: Collegiate CU at 100% against ZYNLO's 51%. Collegiate CU also leads on rating (4.7 vs 4.2). ZYNLO's advantage is ratings volume (149 vs 14). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Collegiate CU holds the better App Store score, 4.7 against 4.2. That said, the two scores are not equally well evidenced: ZYNLO has 149 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 51% of ZYNLO's written reviews are positive against 100% of Collegiate CU's.

ZYNLO ships an update every 5 weeks, Collegiate CU every 6 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | ZYNLO | Collegiate CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (149 ratings)](https://appshunter.io/ios/app/zynlo/id1490723885/reviews) | **[4.7 (14 ratings)](https://appshunter.io/ios/app/collegiate-cu/id6443943281/reviews)** |
| Number of ratings | **149** | 14 |
| Positive reviews | 51.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 138 MB | 159 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [PeoplesBank](https://appshunter.io/developer/341442379) | [Michigan State University Federal Credit Union](https://appshunter.io/developer/560539286) |

## What reviewers say

### ZYNLO

[App page](https://appshunter.io/ios/app/zynlo/id1490723885)

This app helps you save and earn money by rounding up your debit card purchases and matching the difference. It also offers early access to your paycheck and high-yield accounts with no fees.

**Highlights:** Round up debit card purchases, Match savings roundups, Early payday access, High-yield checking and savings accounts, No monthly fees, Savings goals, Spending insights

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Collegiate CU

[App page](https://appshunter.io/ios/app/collegiate-cu/id6443943281)

Manage your finances on the go with budgeting tools and savings features. Access digital learning resources created by financial educators to improve your financial literacy. Understand and control your money from anywhere.

**Highlights:** Budgeting tools, Round-up-to-save features, Financial goal management, Digital learning resources, Financial education by certified educators

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ZYNLO free?

ZYNLO is free to download, with no in-app purchases.

### Is Collegiate CU free?

Collegiate CU is free to download, with no in-app purchases.

### Which has better reviews, ZYNLO or Collegiate CU?

Collegiate CU is rated higher. ZYNLO averages 4.2 out of 5 from 149 ratings, while Collegiate CU averages 4.7 from 14 ratings.

### Do ZYNLO or Collegiate CU have ads?

Neither ZYNLO nor Collegiate CU shows ads.

### Which is updated more often, ZYNLO or Collegiate CU?

ZYNLO ships an update every 5 weeks, and Collegiate CU every 6 weeks. Most recently, ZYNLO was updated on October 24, 2026 and Collegiate CU on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*