Forbright Bank vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
We earn a commission if you open an account through some links on this page.
Summary of Forbright Bank vs. TIMBR
Key Metrics at a Glance
| Feature | Forbright Bank | TIMBR |
|---|---|---|
| Top Savings APY | 4.00% Growth Savings | 4.40% Premium Savings Account |
| Minimum to Open | $0 | $1,000 |
| Minimum Balance for Top APY | $0 | $0 |
Forbright Bank
Strengths
- Forbright Bank offers a Growth Savings account with a competitive APY of 4.00%.
- Forbright Bank has a higher App Store rating of 4.8 compared to TIMBR.
- Forbright Bank is BBB Accredited with an A+ rating.
Potential Drawbacks
- Forbright Bank has fewer branches, limited to the Washington D.C. area.
- Forbright Bank's Bright Savings account requires a $250,000 minimum balance for the highest APY.
TIMBR
Strengths
- TIMBR provides a Premium Savings Account with a solid APY of 4.40%.
- TIMBR has no minimum balance requirement for its Premium Savings Account.
Potential Drawbacks
- TIMBR is not BBB Accredited despite having an A+ rating.
- TIMBR requires a $1,000 minimum deposit to open the Premium Savings Account.
→ As of November 12, 2025 Forbright Bank offers an APY of 4.00% for its Growth Savings account, with a minimum balance of $0, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
→ TIMBR yields $40 more than Forbright Bank on a $10,000 balance after one year. Forbright Bank pays $400, while TIMBR pays $440 - an APY advantage for TIMBR.
→ In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account.
Calculate Savings Growth for Forbright Bank vs TIMBR
Forbright Bank - Growth Savings
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
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, Forbright Bank's total earnings would be $260 lower than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Forbright Bank's vs TIMBR's Savings Accounts
| Forbright Bank | TIMBR | ||||
|---|---|---|---|---|---|
| Product | Growth Savings | Bright Savings | Sprout Savings | vs | Premium Savings Account |
| APY | 4.00% (as of 11/12/2025) | 2.75% - 3.65% (as of 11/12/2025) | 0.80% - 3.65% (as of 11/12/2025) | 4.40% (as of 11/12/2025) | |
| Bundled Account | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | No | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $250 | $1 | $1,000 | |
| Minimum Balance for APY | $0 | $250,000 | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | United States | |
| Note | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | |||
| App Store Rating | 4.8/5 | No | |||
| Google Play Rating | 4.6/5 | No | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 9 Months)
| Forbright Bank | TIMBR | ||||
|---|---|---|---|---|---|
| Product | Sprout Savings | Bright Savings | Growth Savings | vs | Premium Savings Account |
| Latest APY | 3.65 % | 3.65 % | 4.00 % | 4.40 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.7 | -2.7 | -2.2 | -1.6 | |
| Rate Changes / Mo | 0.11 | 0.11 | 0.11 | 0.11 | |
| Days Since Last Change | 43 | 43 | 35 | 213 | |
| High (-9 m) | 3.90 % | 3.90 % | 4.25 % | 4.55 % | |
| Low (-9 m) | 3.65 % | 3.65 % | 4.00 % | 4.40 % | |
| Draw-down from High | -6.4 % | -6.4 % | -5.9 % | -3.3 % | |
| Volatility (CV) | 0.026 | 0.026 | 0.022 | 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.