Jenius Bank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | TIMBRPremium Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.40% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow Minimums |
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 Jenius Bank vs. TIMBR
As of Jenius Bank offers an APY of 4.05% for its Jenius 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 pays $35 more than Jenius Bank on a $10,000 balance after one year. Jenius Bank pays $405, while TIMBR pays $440 - an APY advantage for TIMBR.
Why Jenius Bank?
No distinct advantages found vs TIMBR.
Why TIMBR?
- ✓Higher potential APY (4.40% vs 4.05%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $405/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1013/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $35 more interest on a $10,000 balance than Jenius Bank's Jenius Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a Jenius Savings account with a competitive APY of 4.05%, featuring no minimum deposit or maintenance fees, and is available online only. In contrast, TIMBR provides a Premium Savings Account with a higher APY of 4.40%, also with no maintenance fees and an online-only format. While Jenius Bank has a lower APY, TIMBR's account excels in returns, especially for larger deposits, making it a better option for savers looking for higher yields. Both accounts do not require direct deposit, but TIMBR requires a minimum deposit of $1,000.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Jenius Bank vs. TIMBR Savings Calculator
You earn $35 more with TIMBR than Jenius Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | TIMBR |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.40% Verified: 1/7/2026 Stable (90d) |
| Product Name | Jenius Savings | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $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 | iOS4.0 Android3.6 | iOS- Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | TIMBR |
|---|---|---|
| Jenius Savings | Premium Savings Account | |
Current APY | 4.05% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.1 | -1.1 |
Days Since Change | 50 | 268 |
11-Month High | 4.50% | 4.55% |
11-Month Low | 4.05% | 4.40% |
Adjustments / Mo | 0.19 | 0.09 |
Volatility Score | 0.023 | 0.012 |
How to read these metrics(Click to expand)
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