Capital One vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | TIMBRPremium Savings Account Jan 21, 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® Supported | FDIC InsuredLow Minimums |
Comparison Analysis
Comparing Capital One vs. TIMBR
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to TIMBR's 4.15% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR pays $85 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while TIMBR pays $415 - an APY advantage for TIMBR.
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.
Executive Summary as of
TIMBR offers a Premium Savings Account with a competitive APY of 4.15%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees and no direct deposit requirement, which enhances its appeal for simplicity. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.30% with no minimum deposit or balance requirements, and it is accessible through both online and mobile platforms. While Capital One boasts a highly rated mobile app, TIMBR's account stands out for its higher returns, especially beneficial for those with larger deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
| Feature | Capital One | TIMBR |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.15% Verified: 1/21/2026 ↘︎ 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 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS- Android- |
| 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 | -1.6 |
Days Since Change | 13 | 13 |
11-Month High | 3.70% | 4.55% |
11-Month Low | 3.30% | 4.15% |
Adjustments / Mo | 0.36 | 0.18 |
Volatility Score | 0.032 | 0.018 |
How to read these metrics(Click to expand)
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