Axos Bank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
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.
Comparison Analysis
Comparing Axos Bank vs. TIMBR
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 —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $431/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% 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, TIMBR's Premium Savings Account pays $9 more interest on a $10,000 balance than Axos Bank's Axos ONE.
Executive Summary
Axos Bank offers a competitive 4.31% APY through its Axos ONE savings and checking bundle, which requires a direct deposit or qualifying monthly deposits to maximize earnings. The checking account within this bundle earns a lower APY of 0.51%. In comparison, TIMBR's Premium Savings Account provides a slightly higher APY of 4.40% with no direct deposit or bundling requirements, making it simpler for users. Both banks are online-only, but Axos Bank's product is contingent on meeting specific deposit criteria, while TIMBR's account is more straightforward. Overall, TIMBR's Premium Savings Account is the winner based on APY and ease of access.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
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See who beats both Axos Bank and TIMBR.
| Feature | Axos Bank | TIMBR |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.40% Verified: 12/6/2025 Stable (90d) |
| Product Name | Axos ONE | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS- Android- |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% 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 | SponsoredOpen Account |
Savings Comparison
TIMBR earns $58.8 more than Axos Bank.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
Sponsored Link
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | TIMBR | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Premium Savings Account | |
Current APY | 0.61% | 4.00% | 4.31% | 4.40% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -4.1 | -1.3 |
Days Since Change | 290 | 159 | 4 | 236 |
10-Month High | 0.61% | 4.00% | 4.86% | 4.55% |
10-Month Low | 0.61% | 4.00% | 4.31% | 4.40% |
Adjustments / Mo | 0.00 | 0.00 | 0.41 | 0.10 |
Volatility Score | 0.000 | 0.000 | 0.029 | 0.013 |
How to read these metrics(Click to expand)
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