Capital One vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
Comparison Analysis
Comparing Capital One vs. 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)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $340/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $850/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
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 $100 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, significantly higher than Capital One's 360 Performance Savings account, which has an APY of 3.40%. TIMBR's account is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees or direct deposit requirements, making it a straightforward option for savers. In contrast, Capital One provides a robust mobile app experience, rated highly on both iOS and Android, but its savings account yields lower returns. Overall, TIMBR emerges as the winner based on the higher APY.
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 Capital One and TIMBR.
| Feature | Capital One | TIMBR |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.40% Verified: 12/6/2025 Stable (90d) |
| 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- |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
TIMBR earns $644.2 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
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 | Capital One | TIMBR |
|---|---|---|
| 360 Performance Savings | Premium Savings Account | |
Current APY | 3.40% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -1.3 |
Days Since Change | 66 | 236 |
10-Month High | 3.70% | 4.55% |
10-Month Low | 3.40% | 4.40% |
Adjustments / Mo | 0.31 | 0.10 |
Volatility Score | 0.029 | 0.013 |
How to read these metrics(Click to expand)
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