Bread Savings vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
TIMBR
Premium Savings Account
4.40%APYDec 10, 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.
Bread Savings vs. TIMBR Savings Calculator
TIMBR earns $195.3 more than Bread Savings.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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.
Comparison Analysis
Comparing Bread Savings vs. TIMBR
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 0.0)
- ✓Higher rated Android app (4.5 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 4.10%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $410/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1025/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
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 0.0) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $30 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner in this comparison. This account does not require direct deposit and has no maintenance fees, with a minimum deposit of $1,000. In contrast, Bread Savings provides a High-Yield Savings Account with an APY of 4.10%. While Bread Savings has a notable mobile app experience, its APY is lower than TIMBR's. Both accounts are online-only and FDIC insured, providing solid options for savers.
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.
Top Market Contenders
See who beats both Bread Savings and TIMBR.
| Feature | Bread Savings | TIMBR |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.40% Verified: 12/10/2025 Stable (90d) |
| Product Name | High-Yield Savings Account | Premium Savings Account |
| Minimum Deposit | $100 | $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 | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS- Android- |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | TIMBR |
|---|---|---|
| High-Yield Savings Account | Premium Savings Account | |
Current APY | 4.10% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -1.3 |
Days Since Change | 5 | 240 |
10-Month High | 4.40% | 4.55% |
10-Month Low | 4.10% | 4.40% |
Adjustments / Mo | 0.61 | 0.10 |
Volatility Score | 0.019 | 0.013 |
How to read these metrics(Click to expand)
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