High-Yield Savings Account Comparison

GO2bank 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.

GO2bank

High Yield Savings

Up to
4.50%
APY
Dec 6, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 0.00% – 4.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.

Rate Stability

Very StableNo rate changes in last 90 days
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 GO2bank vs. TIMBR

Updated: Dec 6, 2025

Why GO2bank?

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

Why TIMBR?

  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
TIMBR

TIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $225/yr).

Better Returns at $25,000
TIMBR

TIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $225/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
GO2bank

GO2bank offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.5 (vs. 0.0)

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, TIMBR's Premium Savings Account pays $215 more interest on a $10,000 balance than GO2bank's High Yield Savings.

GO2bankTIMBR
Automated Data Audit

Executive Summary

GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable up to $5,000, and requires a GO2bank checking account to open. In contrast, TIMBR's Premium Savings Account provides a slightly lower APY of 4.40% but does not have a direct deposit requirement or caps on interest-bearing balances, making it simpler for customers. Both accounts are online-only, with no maintenance fees for TIMBR and a $5 monthly fee for GO2bank unless direct deposit is established. Overall, GO2bank's higher APY positions it as the winner in this comparison.

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.

ExploreGO2bankExploreTIMBR

Top Market Contenders

See who beats both GO2bank and TIMBR.

Compare All High-Yield Savings Accounts
Varo Bank
High-Yield Savings Account
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
5.00% APY
+0.50% vs GO2bank
Better Rate
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Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
FDIC InsuredLow MinimumsChecking Bundle
4.75% APY
+0.25% vs GO2bank
Better Rate
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Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.10% vs GO2bank
Better Rate
Pibank vs GO2bankPibank vs TIMBR
FeatureGO2bankTIMBR
APY
4.50%
0
Verified: 12/6/2025
Stable (90d)
4.40%
Verified: 12/6/2025
Stable (90d)
Product NameHigh Yield SavingsPremium Savings Account
Minimum Deposit$0$1,000
Min. Balance for APY$0$0
Monthly Fee$5 per month, unless you set up direct deposit$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.5
iOS-
Android-
BBB RatingNot RatedA+
Important NotesA GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.-
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

TIMBR earns $1,463.8 more than GO2bank.

GO2bank

High Yield Savings

4.50% APY

4.50% on first $5,000 and 0.00% thereafter.

Savings Breakdown

  • Interest Earned
    +$1,230.90(6.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,230.90

Effective APY
2.08%
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
MetricGO2bankTIMBR
High Yield SavingsPremium Savings Account
Current APY
4.50%4.40%
Trend
 Stable Stable
Velocity (bps/mo)
0.0-0.0
Days Since Change
121121
4-Month High
4.50%4.40%
4-Month Low
4.50%4.40%
Adjustments / Mo
0.000.00
Volatility Score
0.0000.000
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 122-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 Alternatives

Compare GO2bank vs...

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Axos BankChecking Bundle
4.31%
APY
vs GO2bank
SoFi BankChecking Bundle
4.30%
APY
vs GO2bank
Presidential BankChecking Bundle
4.00%
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

More Comparisons

Compare GO2bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
GO2bank vs Ally Bank3.30%$0
GO2bank vs American Express3.40%$0
GO2bank vs Axos Bank4.31%$0
GO2bank vs Bank of America0.01%$100
GO2bank vs Barclays4.00%$0
GO2bank vs Bask Bank3.90%$0
GO2bank vs BMO Alto3.25%$0
GO2bank vs BrioDirect4.00%$5,000
GO2bank vs Capital One3.40%$0
GO2bank vs Chase Bank0.01%$0
GO2bank vs Chime3.50%$0
GO2bank vs CIT Bank3.75%$100
GO2bank vs Citibank3.30%$0
GO2bank vs Citizens Access™3.35%$0.01
GO2bank vs Climate First Bank4.21%$50
GO2bank vs Discover Bank3.40%$0
GO2bank vs Elevault4.08%$0
GO2bank vs EverBank4.05%$0
GO2bank vs Fitness Bank4.75%$100
GO2bank vs FNBO Direct3.00%$1
GO2bank vs Forbright Bank4.00%$0
GO2bank vs FVCbank3.85%$500
GO2bank vs Ivy Bank4.25%$2,500
GO2bank vs LendingClub4.20%$0
GO2bank vs Marcus by Goldman Sachs3.65%$0
GO2bank vs Neighbors Bank4.50%$0
GO2bank vs Newtek Bank4.35%$0.01
GO2bank vs Openbank4.20%$500
GO2bank vs Peak Bank4.20%$100
GO2bank vs Pibank4.60%$0
GO2bank vs PNC3.53%$0
GO2bank vs Presidential Bank4.00%$5,000
GO2bank vs Quontic Bank3.75%$100
GO2bank vs Salem Five Direct3.71%$10
GO2bank vs Santander Bank0.01%$25
GO2bank vs SoFi Bank4.30%$0
GO2bank vs Synchrony Bank3.65%$0
GO2bank vs UFB Direct3.71%$5000
GO2bank vs Valley Direct4.10%$1,000
GO2bank vs Varo Bank5.00%$0
GO2bank vs Vio Bank4.16%$100
GO2bank vs Wealthfront4.15%$0
GO2bank vs Wells Fargo0.05%$25
GO2bank 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 FNBO Direct3.00%$1
TIMBR vs Forbright Bank4.00%$0
TIMBR vs FVCbank3.85%$500
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