TIMBR: Savings Account & Rates
Mission: Banksparency aims to make TIMBR's savings account transparent and comparable to the market.
Analysis of TIMBR
Our verdict
TIMBR offers Premium Savings Account, a high-yield savings account paying 4.15% APY with a $1,000 minimum deposit.
At 4.15% APY, TIMBR pays 11x the national average (0.39%). Ranks in the top tier of 99+ accounts tracked.
Ideal User Profile
- Best for: earning a top rate with no strings attached and banking without needing a branch.
Important Considerations
Savings Overview
Premium Savings Account
| Min. Deposit | $1,000 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
Prefer In-Person Banking?
This bank is online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Bank Overview
- HQ LocationSt. Louis Park, Minnesota
- Founded2005
- AffiliationTIMBR is a division of Bridgewater Bank
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 58210)
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by TIMBR
| Feature | Premium Savings Account |
|---|---|
APY | 4.15%Verified: 2/21/2026 |
APY Trend | Rate Adjusted -0.25% Since 90 days ago |
Min. Deposit | $1,000 |
Min. Balance | $0 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for TIMBR
Savings Breakdown
- Interest Earned+$1,630.00(10.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,630.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
TIMBR Savings Rates Over Time
Historical APY Insights
Last 12 Months| Metric | Premium Savings Account |
|---|---|
Latest APY | 4.15% |
Trend | Sideways |
Slope (bps/mo) | -2.3 |
Rate Changes / Mo | 0.16 |
Days Since Last Change | 44 |
High (-12m) | 4.55% |
Low (-12m) | 4.15% |
Draw-down | -8.8% |
Volatility (CV) | 0.025 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 365-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with TIMBR
| Feature | Current View TIMBR | Empty Slot |
|---|---|---|
| Product | Premium Savings Account | - |
APY | 4.15%Verified: 2/21/2026 | - |
APY Trend | Rate Adjusted -0.25% Since 90 days ago | - |
| Min. Deposit | $1,000 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare TIMBR's APY of 4.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.20% | $0 |
| TIMBR vs American Express | 3.30% | $0 |
| TIMBR vs Axos Bank | 4.21% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 3.85% | $0 |
| TIMBR vs Capital One | 3.30% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.00% | $0 |
| TIMBR vs CIT Bank | 3.75% | $100 |
| TIMBR vs Citibank | 3.20% | $0 |
| TIMBR vs Discover Bank | 3.30% | $0 |
| TIMBR vs EverBank | 3.90% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Newtek Bank | 4.20% | $0.01 |
| TIMBR vs Openbank | 4.09% | $500 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs SoFi Bank | 4.00% | $0 |
| TIMBR vs Synchrony Bank | 3.50% | $0 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wealthfront | 3.95% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |
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