Citizens Access vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of Citizens Access™ vs. TIMBR
Key Metrics at a Glance
| Feature | Citizens Access™ | TIMBR |
|---|---|---|
| Top Savings APY | 3.50% Citizens Access® Savings | 4.40% Premium Savings Account |
| Minimum to Open | $0.01 | $1,000 |
| Minimum Balance for Top APY | $0.01 | $0 |
Citizens Access™
Strengths
- Citizens Access™ has no minimum deposit requirement for its savings account.
- Citizens Access™ offers a strong App Store rating of 4.8.
- Citizens Access™ has a BBB rating of A+.
Potential Drawbacks
- Citizens Access™'s current APY is lower at 3.50% compared to TIMBR.
- Citizens Access™ does not offer a branch network.
TIMBR
Strengths
- TIMBR's Premium Savings Account has a higher APY of 4.40%.
- TIMBR has a maintenance fee of $0.
Potential Drawbacks
- TIMBR requires a minimum deposit of $1,000 to open an account.
- TIMBR is not BBB Accredited despite having an A+ rating.
→ As of October 16, 2025 Citizens Access™ offers an APY of 3.50% for its Citizens Access® 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 $90 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $350, while TIMBR pays $440 - an APY advantage for TIMBR.
Calculate Savings Growth for Citizens Access™ vs TIMBR
Citizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewTIMBR
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, Citizens Access™'s total earnings would be $580.6 lower than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs TIMBR's Savings Accounts
| Citizens Access™ | TIMBR | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | Premium Savings Account |
| APY | 3.50% (as of 10/16/2025) | 4.40% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0.01 | $1,000 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | No | |
| Google Play Rating | 4.8/5 | No | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 8 Months)
| Citizens Access™ | TIMBR | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | Premium Savings Account |
| Latest APY | 3.50 % | 4.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.3 | -1.9 | |
| Rate Changes / Mo | 0.13 | 0.13 | |
| Days Since Last Change | 78 | 185 | |
| High (-8 m) | 3.70 % | 4.55 % | |
| Low (-8 m) | 3.50 % | 4.40 % | |
| Draw-down from High | -5.4 % | -3.3 % | |
| Volatility (CV) | 0.026 | 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 239 days.
- Low (-8 m)
- Lowest APY in the last 239 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 Citizens Access™'s APY of 3.50% 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 Capital One | 3.40% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.50% | $0 |
| TIMBR vs CIT Bank | 3.85% | $100 |
| 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% | $1000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 2.51% | $25 |
| TIMBR vs Zynlo Bank | 4.20% | $10 |