Citibank vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. TIMBR
Key Metrics at a Glance
| Feature | Citibank | TIMBR |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.40% Premium Savings Account |
| Minimum to Open | $0 | $1,000 |
| Minimum Balance for Top APY | $0.01 | $0 |
Citibank
Strengths
- Citi Accelerate Savings offers a competitive APY of 3.35%, slightly down from 3.40% 30 days ago.
- Citi Accelerate Savings has no minimum deposit requirement.
Potential Drawbacks
- CitiBank has a low BBB rating of D- and is not accredited.
- Citi Accelerate Savings charges a $4.50 maintenance fee unless the balance exceeds $500.
TIMBR
Strengths
- TIMBR's Premium Savings Account features a high APY of 4.40%, unchanged over the past 30 days.
- TIMBR has a strong BBB rating of A+.
Potential Drawbacks
- TIMBR requires a minimum deposit of $1,000 to open the Premium Savings Account.
- TIMBR has no physical branches.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
→ TIMBR yields $105 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while TIMBR pays $440 - an APY advantage for TIMBR.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs TIMBR
Citibank - Citi Accelerate Savings
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewTIMBR - Premium Savings Account
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
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, Citibank's total earnings would be $675.9 lower than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs TIMBR's Savings Accounts
| Citibank | TIMBR | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Premium Savings Account |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 4.40% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $1,000 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| App Store Rating | 4.9/5 | No | ||
| Google Play Rating | 4.8/5 | No | ||
| BBB Rating | D- | A+ | ||
Comparative Historical APY Insights (Last 9 Months)
| Citibank | TIMBR | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Premium Savings Account |
| Latest APY | 0.03 % | 3.35 % | 4.40 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -4.8 | -1.6 | |
| Rate Changes / Mo | 0.00 | 0.56 | 0.11 | |
| Days Since Last Change | 267 | 9 | 212 | |
| High (-9 m) | 0.03 % | 3.80 % | 4.55 % | |
| Low (-9 m) | 0.03 % | 3.35 % | 4.40 % | |
| Draw-down from High | 0.0 % | -11.8 % | -3.3 % | |
| Volatility (CV) | 0.000 | 0.036 | 0.013 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 267 days.
- Low (-9 m)
- Lowest APY in the last 267 days.
- Draw-down from High
- How far today sits below the 9-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.