FVCbank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct 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 FVCbank vs. TIMBR
Why FVCbank?
- ✓Higher rated iOS app (4.4 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.85%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $385/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $963/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
FVCbankFVCbank offers an iOS app rated 4.4 (vs. 0.0) and Android app rated 3.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $55 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner in this comparison. This online-only account requires a minimum deposit of $1,000 but has no maintenance fees or balance requirements. In contrast, FVCbank's Advantage Direct Savings account provides a lower APY of 3.85% and also has a minimum deposit requirement of $500, with no direct deposit needed. Both banks are FDIC insured and provide online-only services, but TIMBR stands out for its higher returns and simplicity.
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 FVCbank and TIMBR.
| Feature | FVCbank | TIMBR |
|---|---|---|
| APY | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 4.40% Verified: 12/6/2025 Stable (90d) |
| Product Name | Advantage Direct Savings | Premium Savings Account |
| Minimum Deposit | $500 | $1,000 |
| Min. Balance for APY | $500 | $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 | iOS4.4 Android3.6 | iOS- Android- |
| BBB Rating | B- | A+ |
| Next Steps |
Savings Comparison
TIMBR earns $356.7 more than FVCbank.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
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 | FVCbank | TIMBR |
|---|---|---|
| Advantage Direct Savings | Premium Savings Account | |
Current APY | 3.85% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -0.8 |
Days Since Change | 35 | 236 |
9-Month High | 4.55% | 4.55% |
9-Month Low | 3.85% | 4.40% |
Adjustments / Mo | 0.92 | 0.11 |
Volatility Score | 0.056 | 0.010 |
How to read these metrics(Click to expand)
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