Citizens Access™ vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Citizens Access™ vs. TIMBR
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 0.0)
- ✓Higher rated Android app (4.8 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $335/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $838/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
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.8 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $105 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, significantly higher than Citizens Access™ Savings, which provides an APY of 3.35%. Both accounts are online-only and do not require direct deposit, but TIMBR has a minimum deposit requirement of $1,000 compared to Citizens Access™'s minimal $0.01. While Citizens Access™ is noted for its excellent mobile app experience, TIMBR stands out for providing better returns at various deposit levels without additional conditions. Overall, TIMBR is 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 Citizens Access™ and TIMBR.
| Feature | Citizens Access™ | TIMBR |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.40% Verified: 12/6/2025 Stable (90d) |
| Product Name | Citizens Access® Savings | Premium Savings Account |
| Minimum Deposit | $0.01 | $1,000 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS- Android- |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
TIMBR earns $675.9 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
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 | Citizens Access™ | TIMBR |
|---|---|---|
| Citizens Access® Savings | Premium Savings Account | |
Current APY | 3.35% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.2 | -1.3 |
Days Since Change | 37 | 236 |
10-Month High | 3.70% | 4.55% |
10-Month Low | 3.35% | 4.40% |
Adjustments / Mo | 0.21 | 0.10 |
Volatility Score | 0.037 | 0.013 |
How to read these metrics(Click to expand)
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