MutualOne Bank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | TIMBRPremium Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 4.40% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $20,000 | $1,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow Minimums |
Comparison Analysis
Comparing MutualOne Bank vs. TIMBR
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR pays $33 more than MutualOne Bank on a $10,000 balance after one year. MutualOne Bank pays $407, while TIMBR pays $440 - an APY advantage for TIMBR.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.4 vs 0.0)
- ✓Fast transfers via Zelle®
Why TIMBR?
- ✓Higher potential APY (4.40% vs 4.07%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $0/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1018/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
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $33 more interest on a $10,000 balance than MutualOne Bank's Mo Premium Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner in this comparison. This account requires a minimum deposit of $1,000 and has no maintenance fees or direct deposit requirements, providing straightforward access to higher returns. In contrast, MutualOne Bank's Mo Premium Savings offers a lower APY of 4.07% with a higher minimum deposit of $20,000. Additionally, MutualOne provides an Online Savings account yielding 0.40% APY for deposits up to $1,000,000.01, but this product is online-only. Overall, TIMBR stands out for its better returns and simplicity.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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MutualOne Bank vs. TIMBR Savings Calculator
You earn $66 more with TIMBR than MutualOne Bank on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$880.00(4.2%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,880.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | TIMBR |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 4.40% Verified: 1/7/2026 Stable (90d) |
| Product Name | Mo Premium Savings | Premium Savings Account |
| Minimum Deposit | $20,000 | $1,000 |
| Min. Balance for APY | $20,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS- Android- |
| Zelle® Support | Available Verified via website and app descriptions. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at MutualOne 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 | MutualOne Bank | TIMBR | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | Premium Savings Account | |
Current APY | 0.40% | 4.07% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | 0.0 |
Days Since Change | 114 | 114 | 114 |
4-Month High | 0.40% | 4.07% | 4.40% |
4-Month Low | 0.40% | 4.07% | 4.40% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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