Return On Investment (ROI)

Whenever we purchase or invest in something, we expect to gain something from it. A return on investment (ROI) is the amount gained or lost on an investment.

A business invests any time it makes a purchase — from materials to equipment to human resources. When you spend capital on something, there is always an expectation of a return. Usually, the return comes as added value or more capital brought into your business.

To determine an asset's ROI, divide the gains or losses generated by its cost to you. Investors will want to know the expected ROI of your product or service so they can decide if it’s worth the investment.

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*Zeni is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

1. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program.
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2. The interest rates and annual percentage yield on your account are accurate as of 05/16/23 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between .90%-3.73% depending on the balances held. Earn 0.90% APY on checking balances of less than $250,000, 1.81% APY on balances between $250,000 and $500,000, 2.72% APY on savings balances between $500,000 and $1,500,000, 3.65% APY on savings balances between $1,500,000 and $2,500,000 and 3.73% APY on savings balances of more than $2,500,000. There are no minimum balances or minimum deposits required to earn interest on your account.

3. The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only. The Zeni Business Credit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

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