Fnbo Direct vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of FNBO Direct vs. TIMBR
Key Metrics at a Glance
| Feature | FNBO Direct | TIMBR |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.40% Premium Savings Account |
| Minimum to Open | $1 | $1,000 |
| Minimum Balance for Top APY | $0.01 | $0 |
FNBO Direct
Strengths
- FNBO Direct offers a $1 minimum deposit for its High-Yield Online Savings Account.
- The bank has a high App Store rating of 4.5.
- FNBO Direct has no maintenance fees for its savings account.
Potential Drawbacks
- Current APY is 3.00%, down from 3.25% 30 days ago.
- FNBO Direct has a BBB rating of Not Rated.
- There are no branches for customer service.
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% for its Premium Savings Account.
- The bank has a strong BBB rating of A+.
- No maintenance fees are required for the account.
Potential Drawbacks
- Requires a higher minimum deposit of $1,000 for the Premium Savings Account.
- TIMBR is not BBB accredited.
- There are no physical branches available.
Summary: TIMBR's Premium Savings Account offers a significantly higher APY of 4.40% compared to FNBO Direct's 3.00%. However, FNBO Direct has a lower minimum deposit requirement of $1. Additionally, TIMBR has a strong BBB rating of A+, while FNBO Direct is not rated. Both banks have no maintenance fees and lack physical branches, but FNBO Direct has a higher App Store rating.
→ As of October 16, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online 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 $140 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while TIMBR pays $440 - an APY advantage for TIMBR.
Calculate Savings Growth for FNBO Direct vs TIMBR
All calculations are based on APY.
FNBO Direct
APY: 3.00%
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Effective APY: 3.00% (based on your deposit and contributions)
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewTIMBR
APY: 4.40%
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
Effective APY: 4.40% (based on your deposit and contributions)
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, FNBO Direct's total earnings would be $896.5 lower than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs TIMBR's Savings Accounts
| FNBO Direct | TIMBR | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Premium Savings Account |
| APY | 3.00% (as of 10/16/2025) | 4.40% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $1,000 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.5/5 | No | |
| Google Play Rating | 4.8/5 | No | |
| BBB Rating | Not Rated | A+ |
Comparative Historical APY Insights (Last 3 Months)
| FNBO Direct | TIMBR | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Premium Savings Account |
| Latest APY | 3.00 % | 4.40 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -7.7 | 0.0 | |
| Rate Changes / Mo | 0.36 | 0.00 | |
| Days Since Last Change | 13 | 83 | |
| High (-3 m) | 3.25 % | 4.40 % | |
| Low (-3 m) | 3.00 % | 4.40 % | |
| Draw-down from High | -7.7 % | 0.0 % | |
| Volatility (CV) | 0.029 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 84 days.
- Low (-3 m)
- Lowest APY in the last 84 days.
- Draw-down from High
- How far today sits below the 3-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 FNBO Direct's APY of 3.00% 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 Citizens Access™ | 3.50% | $0.01 |
| 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 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 |