High-Yield Savings Account Comparison

FNBO Direct vs. TIMBR

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

TIMBR

Premium Savings Account

4.40%
APY
Dec 6, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58210)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing FNBO Direct vs. TIMBR

Updated: Dec 6, 2025

Why FNBO Direct?

  • ✓Higher rated iOS app (4.5 vs 0.0)
  • ✓Higher rated Android app (4.8 vs 0.0)

Why TIMBR?

  • ✓Higher potential APY (4.40% vs 3.00%) on all balances

— Key Feature Differences —

Better Returns at $10,000
TIMBR

TIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $300/yr).

Better Returns at $25,000
TIMBR

TIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $750/yr).

Best for Simplicity
TIMBR

TIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
FNBO Direct

FNBO Direct offers an iOS app rated 4.5 (vs. 0.0) and Android app rated 4.8 (vs. 0.0)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, TIMBR's Premium Savings Account pays $140 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

FNBO DirectTIMBR
Automated Data Audit

Executive Summary

TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees and does not require direct deposit. In contrast, FNBO Direct provides a High-Yield Online Savings Account with an APY of 3.00%, also online-only, with a lower minimum deposit of $1. While FNBO Direct boasts a strong mobile app experience, TIMBR's account is noted for better returns, especially with larger deposits.

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.

ExploreFNBO DirectExploreTIMBR

Top Market Contenders

See who beats both FNBO Direct and TIMBR.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.20% vs TIMBR
Better Rate
Pibank vs FNBO DirectPibank vs TIMBR
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.10% vs TIMBR
Better Rate
Neighbors Bank vs FNBO DirectNeighbors Bank vs TIMBR
FeatureFNBO DirectTIMBR
APY
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
4.40%
Verified: 12/6/2025
Stable (90d)
Product NameHigh-Yield Online Savings AccountPremium Savings Account
Minimum Deposit$1$1,000
Min. Balance for APY$0.01$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.5
Android4.8
iOS-
Android-
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

TIMBR earns $896.5 more than FNBO Direct.

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

TIMBR

Premium Savings Account

4.40% APY

Savings Breakdown

  • Interest Earned
    +$2,694.70(13.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,694.70

Effective APY
4.40%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricFNBO DirectTIMBR
High-Yield Online Savings AccountPremium Savings Account
Current APY
3.00%4.40%
Trend
 Stable Stable
Velocity (bps/mo)
-8.30.0
Days Since Change
64134
4-Month High
3.25%4.40%
4-Month Low
3.00%4.40%
Adjustments / Mo
0.220.00
Volatility Score
0.0400.000
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 135-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
Newtek BankNo Bundle Req
4.35%
APY

Compare TIMBR vs...

Comparing against Standard Savings

vs TIMBR
PibankNo Bundle Req
4.60%
APY
vs TIMBR
Neighbors BankNo Bundle Req
4.50%
APY
vs TIMBR
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10
Compare TIMBR's APY of 4.40% with other banks
Bank PairCompetitor APYMin Deposit
TIMBR vs Ally Bank3.30%$0
TIMBR vs American Express3.40%$0
TIMBR vs Axos Bank4.31%$0
TIMBR vs Bank of America0.01%$100
TIMBR vs Barclays4.00%$0
TIMBR vs Bask Bank3.90%$0
TIMBR vs BMO Alto3.25%$0
TIMBR vs BrioDirect4.00%$5,000
TIMBR vs Capital One3.40%$0
TIMBR vs Chase Bank0.01%$0
TIMBR vs Chime3.50%$0
TIMBR vs CIT Bank3.75%$100
TIMBR vs Citibank3.30%$0
TIMBR vs Citizens Access™3.35%$0.01
TIMBR vs Climate First Bank4.21%$50
TIMBR vs Discover Bank3.40%$0
TIMBR vs Elevault4.08%$0
TIMBR vs EverBank4.05%$0
TIMBR vs Fitness Bank4.75%$100
TIMBR vs Forbright Bank4.00%$0
TIMBR vs FVCbank3.85%$500
TIMBR vs GO2bank4.50%$0
TIMBR vs Ivy Bank4.25%$2,500
TIMBR vs LendingClub4.20%$0
TIMBR vs Marcus by Goldman Sachs3.65%$0
TIMBR vs Neighbors Bank4.50%$0
TIMBR vs Newtek Bank4.35%$0.01
TIMBR vs Openbank4.20%$500
TIMBR vs Peak Bank4.20%$100
TIMBR vs Pibank4.60%$0
TIMBR vs PNC3.53%$0
TIMBR vs Presidential Bank4.00%$5,000
TIMBR vs Quontic Bank3.75%$100
TIMBR vs Salem Five Direct3.71%$10
TIMBR vs Santander Bank0.01%$25
TIMBR vs SoFi Bank4.30%$0
TIMBR vs Synchrony Bank3.65%$0
TIMBR vs UFB Direct3.71%$5000
TIMBR vs Valley Direct4.10%$1,000
TIMBR vs Varo Bank5.00%$0
TIMBR vs Vio Bank4.16%$100
TIMBR vs Wealthfront4.15%$0
TIMBR vs Wells Fargo0.05%$25
TIMBR vs Zynlo Bank4.05%$10