Capital One vs. TIMBR
Comparing Capital One and TIMBR for high-yield savings: Capital One's 360 Performance Savings pays 3.30% APY while TIMBR's Premium Savings Account pays 4.15% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? TIMBR pays $85 more than Capital One annually ($415 vs $330).
Choose Capital One if you value in-person banking, you're an iPhone user (no iOS app for TIMBR), you're an Android user (no Android app for TIMBR), or you want Zelle for quick transfers. Choose TIMBR if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Mar 7, 2026 | TIMBRPremium Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 3.30% | 4.15% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$208 $10,000+$415 $25,000+$1,038 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredLow MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Capital One vs. TIMBR
Executive Summary
TIMBR offers a clear advantage with its Premium Savings Account, boasting a competitive APY of 4.15%, significantly higher than Capital One's 360 Performance Savings at 3.30%. TIMBR's account requires a minimum deposit of $1,000 and is available online only, while Capital One has no minimum deposit or balance requirements. Both accounts have no maintenance fees and are FDIC insured. Additionally, TIMBR's account is noted for its simplicity, with no direct deposit requirement, making it accessible for various deposit amounts. In contrast, Capital One is recognized 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 Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.5 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why TIMBR?
- ✓Higher potential APY (4.15% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $415 vs $330/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1038 vs $825/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.15% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (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 $85 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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Capital One vs. TIMBR Savings Calculator
You earn $85 more with TIMBR than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 $329 per year in interest.
Both Capital One and TIMBR dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | TIMBR |
|---|---|---|
| APY | 3.30% Verified: 3/7/2026 ↘︎ 0.10%90d Change | 4.15% Verified: 3/7/2026 ↘︎ 0.25%90d Change |
| Product Name | 360 Performance Savings | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | TIMBR |
|---|---|---|
| 360 Performance Savings | Premium Savings Account | |
Current APY | 3.30% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -2.4 |
Days Since Change | 58 | 58 |
12-Month High | 3.70% | 4.55% |
12-Month Low | 3.30% | 4.15% |
Adjustments / Mo | 0.33 | 0.16 |
Volatility Score | 0.035 | 0.026 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.30% 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 Axos Bank | 4.21% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 3.85% | $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 |