Axos Bank vs. TIMBR
Axos Bank edges out TIMBR slightly at 4.21% vs 4.15% APY. On a $10,000 balance, the difference is just $6 per year—so other factors may matter more.
The Bottom Line
The Axos Bank and TIMBR savings accounts are very similar. Choose Axos Bank if you're an iPhone user (no iOS app for TIMBR), or you're an Android user (no Android app for TIMBR). Choose TIMBR if you want a no-strings-attached account.
Important Considerations
Axos Bank requires a checking account to unlock its top savings rate, while TIMBR offers its savings account standalone.
| Metric | Axos BankAxos ONE Mar 7, 2026 | TIMBRPremium Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 4.21% | 4.15% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$208 $10,000+$415 $25,000+$1,038 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE account, providing a higher APY of 4.21% when bundled with a checking account, which earns 0.51% APY. To qualify for this rate, customers must set up a direct deposit of $1,500 or have $5,000 in total monthly qualifying deposits. In contrast, TIMBR's Premium Savings Account offers a slightly lower APY of 4.15% but stands out for its simplicity, requiring no bundling or direct deposit. Both banks operate online only, with Axos Bank noted for its superior mobile app experience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher rated iOS app (4.7 vs 0.0)
- ✓Higher rated Android app (4.6 vs 0.0)
- ✓Offers 2 different high-yield savings options
Why TIMBR?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.15% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 0.0) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $6 more interest on a $10,000 balance than TIMBR's Premium Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. TIMBR Savings Calculator
You earn $6 more with Axos Bank than TIMBR on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$415.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,415.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $414 per year in interest.
Both Axos Bank and TIMBR dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | TIMBR |
|---|---|---|
| APY | 4.21% Verified: 3/7/2026 ↘︎ 0.10%90d Change | 4.15% Verified: 3/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Axos ONE | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS- Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | TIMBR | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Premium Savings Account | |
Current APY | 3.75% | 4.21% | 0.61% | 4.15% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.2 | -4.7 | 0.0 | -2.4 |
Days Since Change | 86 | 35 | 365 | 58 |
12-Month High | 4.00% | 4.86% | 0.61% | 4.55% |
12-Month Low | 3.75% | 4.21% | 0.61% | 4.15% |
Adjustments / Mo | 0.08 | 0.41 | 0.00 | 0.16 |
Volatility Score | 0.031 | 0.040 | 0.000 | 0.026 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
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 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 | 4.20% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |