Capital One vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Capital One vs. TIMBR
Key Metrics at a Glance
| Feature | Capital One | TIMBR |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 4.40% Premium Savings Account |
| Minimum to Open | $0 | $1,000 |
| Minimum Balance for Top APY | $0 | $0 |
Capital One
Strengths
- Capital One offers 3.40% APY, competitive for a no-minimum deposit account.
- Capital One has over 200 branches across several states.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY decreased from 3.50% in the last 30 days.
- Capital One requires no direct deposit but does not offer higher APY for it.
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40%, consistent over the last month.
- TIMBR has no maintenance fees and a low minimum deposit of $1,000.
Potential Drawbacks
- TIMBR is not BBB accredited despite an A+ rating.
- TIMBR operates online only, lacking physical branches.
Summary: Capital One provides a lower APY of 3.40% with physical branches, while TIMBR offers a higher APY of 4.40% but is online-only. Both banks have an A+ BBB rating, but only Capital One is accredited. Capital One's APY has decreased recently, whereas TIMBR's remains stable. Users may prefer Capital One for branch access, while those seeking higher returns might lean toward TIMBR.
→ As of October 21, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
→ TIMBR yields $100 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while TIMBR pays $440 - an APY advantage for TIMBR.
Calculate Savings Growth for Capital One vs TIMBR
All calculations are based on APY.
Capital One - 360 Performance Savings
Top APY: 3.40%
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Effective APY: 3.40% (based on your deposit and contributions)
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewTIMBR - Premium Savings Account
Top APY: 4.40%
Total savings breakdown:
- Interest earned: $2,694.7 (13.02%)
- Total contributions: $13,000 (62.82%)
- Initial deposit: $5,000 (24.16%)
Your total balance
$20,694.70
Effective APY: 4.40% (based on your deposit and contributions)
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $644.2 lower than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs TIMBR's Savings Accounts
| Capital One | TIMBR | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Premium Savings Account |
| APY | 3.40% (as of 10/21/2025) | 4.40% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $1,000 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.9/5 | No | |
| Google Play Rating | 4.5/5 | No | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 8 Months)
| Capital One | TIMBR | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Premium Savings Account |
| Latest APY | 3.40 % | 4.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.6 | -1.9 | |
| Rate Changes / Mo | 0.37 | 0.12 | |
| Days Since Last Change | 20 | 190 | |
| High (-8 m) | 3.70 % | 4.55 % | |
| Low (-8 m) | 3.40 % | 4.40 % | |
| Draw-down from High | -8.1 % | -3.3 % | |
| Volatility (CV) | 0.025 | 0.014 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 244 days.
- Low (-8 m)
- Lowest APY in the last 244 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Capital One's APY of 3.40% with other banks
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.40% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.51% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs Bask Bank | 4.05% | $0 |
| TIMBR vs BrioDirect | 4.20% | $5,000 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.50% | $0 |
| TIMBR vs CIT Bank | 3.85% | $100 |
| TIMBR vs Citizens Access™ | 3.50% | $0.01 |
| TIMBR vs Discover Bank | 3.40% | $0 |
| TIMBR vs Elevault | 4.34% | $0 |
| TIMBR vs EverBank | 4.05% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FNBO Direct | 3.00% | $1 |
| TIMBR vs FVCbank | 4.10% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs LendingClub | 4.20% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Neighbors Bank | 4.50% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.20% | $100 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.01% | $25 |
| TIMBR vs SoFi Bank | 4.50% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs UFB Direct | 3.96% | $5000 |
| TIMBR vs Valley Direct | 4.10% | $1,000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |
| TIMBR vs Zynlo Bank | 4.20% | $10 |