High-Yield Savings Account Comparison

Peak Bank 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.

Peak Bank

Envision High Yield Savings

4.20%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58095)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.6
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 90 days ago
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 Peak Bank vs. TIMBR

Updated: Dec 6, 2025

Why Peak Bank?

  • ✓Higher rated iOS app (4.8 vs 0.0)
  • ✓Higher rated Android app (4.6 vs 0.0)

Why TIMBR?

  • ✓Higher potential APY (4.40% vs 4.20%) on all balances

— Key Feature Differences —

Better Returns at $10,000
TIMBR

TIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $420/yr).

Better Returns at $25,000
TIMBR

TIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1050/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
Peak Bank

Peak Bank offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.6 (vs. 0.0)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, TIMBR's Premium Savings Account pays $20 more interest on a $10,000 balance than Peak Bank's Envision High Yield Savings.

Peak BankTIMBR
Automated Data Audit

Executive Summary

TIMBR is the winner with its Premium Savings Account offering a competitive APY of 4.40%, making it a strong choice for savers. This account requires a minimum deposit of $1,000 and has no maintenance fees, providing better returns for both smaller and larger deposits compared to Peak Bank. In contrast, Peak Bank's Envision High Yield Savings account offers a slightly lower APY of 4.20% with a minimum deposit of $100 and also has no maintenance fees. Both banks operate online only and do not require direct deposit, but TIMBR's account is noted for its simplicity and higher yield.

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.

ExplorePeak BankExploreTIMBR

Top Market Contenders

See who beats both Peak Bank and TIMBR.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.20% vs TIMBR
Better Rate
Pibank vs Peak BankPibank vs TIMBR
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.10% vs TIMBR
Better Rate
Neighbors Bank vs Peak BankNeighbors Bank vs TIMBR
FeaturePeak BankTIMBR
APY
4.20%
Verified: 12/6/2025
↘︎ 0.15%90d Change
4.40%
Verified: 12/6/2025
Stable (90d)
Product NameEnvision High Yield SavingsPremium Savings Account
Minimum Deposit$100$1,000
Min. Balance for APYN/A$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.6
iOS-
Android-
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

TIMBR earns $130.4 more than Peak Bank.

Peak Bank

Envision High Yield Savings

4.20% APY

Savings Breakdown

  • Interest Earned
    +$2,564.30(12.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,564.30

Effective APY
4.20%
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 10 Months Analysis
MetricPeak BankTIMBR
Envision High Yield SavingsPremium Savings Account
Current APY
4.20%4.40%
Trend
 Stable Stable
Velocity (bps/mo)
-3.9-1.3
Days Since Change
66236
10-Month High
4.54%4.55%
10-Month Low
4.20%4.40%
Adjustments / Mo
0.410.10
Volatility Score
0.0280.013
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 290-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 High-Yield Accounts

Compare Peak Bank vs...

Comparing against Standard Savings

vs Peak Bank
PibankNo Bundle Req
4.60%
APY
vs Peak Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Peak Bank
Newtek BankNo Bundle Req
4.35%
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

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Peak Bank's APY of 4.20% with other banks
Bank PairCompetitor APYMin Deposit
Peak Bank vs Ally Bank3.30%$0
Peak Bank vs American Express3.40%$0
Peak Bank vs Axos Bank4.31%$0
Peak Bank vs Bank of America0.01%$100
Peak Bank vs Barclays4.00%$0
Peak Bank vs Bask Bank3.90%$0
Peak Bank vs BMO Alto3.25%$0
Peak Bank vs BrioDirect4.00%$5,000
Peak Bank vs Capital One3.40%$0
Peak Bank vs Chase Bank0.01%$0
Peak Bank vs Chime3.50%$0
Peak Bank vs CIT Bank3.75%$100
Peak Bank vs Citibank3.30%$0
Peak Bank vs Citizens Access™3.35%$0.01
Peak Bank vs Climate First Bank4.21%$50
Peak Bank vs Discover Bank3.40%$0
Peak Bank vs Elevault4.08%$0
Peak Bank vs EverBank4.05%$0
Peak Bank vs Fitness Bank4.75%$100
Peak Bank vs FNBO Direct3.00%$1
Peak Bank vs Forbright Bank4.00%$0
Peak Bank vs FVCbank3.85%$500
Peak Bank vs GO2bank4.50%$0
Peak Bank vs Ivy Bank4.25%$2,500
Peak Bank vs LendingClub4.20%$0
Peak Bank vs Marcus by Goldman Sachs3.65%$0
Peak Bank vs Neighbors Bank4.50%$0
Peak Bank vs Newtek Bank4.35%$0.01
Peak Bank vs Openbank4.20%$500
Peak Bank vs Pibank4.60%$0
Peak Bank vs PNC3.53%$0
Peak Bank vs Presidential Bank4.00%$5,000
Peak Bank vs Quontic Bank3.75%$100
Peak Bank vs Salem Five Direct3.71%$10
Peak Bank vs Santander Bank0.01%$25
Peak Bank vs SoFi Bank4.30%$0
Peak Bank vs Synchrony Bank3.65%$0
Peak Bank vs UFB Direct3.71%$5000
Peak Bank vs Valley Direct4.10%$1,000
Peak Bank vs Varo Bank5.00%$0
Peak Bank vs Vio Bank4.16%$100
Peak Bank vs Wealthfront4.15%$0
Peak Bank vs Wells Fargo0.05%$25
Peak Bank 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 GO2bank4.50%$0
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 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