Pibank vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Pibank vs. TIMBR
Key Metrics at a Glance
| Feature | Pibank | TIMBR |
|---|---|---|
| Top Savings APY | 4.60% Pibank Savings | 4.40% Premium Savings Account |
| Minimum to Open | $0 | $1,000 |
| Minimum Balance for Top APY | $0.01 | $0 |
Pibank
Strengths
- Pibank offers a higher APY of 4.60% compared to TIMBR's 4.40%.
- Pibank has no minimum deposit requirement for opening an account.
- No maintenance fees are charged by Pibank.
Potential Drawbacks
- Pibank has a lower App Store rating of 2.4 compared to TIMBR.
- Pibank has a lower Google Play rating of 1.7 compared to TIMBR.
- Pibank is not BBB accredited.
TIMBR
Strengths
- TIMBR has a better BBB rating of A+ compared to Pibank's A.
- TIMBR has no maintenance fees for its savings account.
- TIMBR's account requires a minimum deposit of $1,000.
Potential Drawbacks
- TIMBR offers a lower APY of 4.40% compared to Pibank's 4.60%.
- TIMBR requires a minimum deposit for account opening.
- TIMBR is not BBB accredited.
Summary: Pibank offers a higher APY of 4.60% with no minimum deposit, while TIMBR has a slightly lower APY of 4.40% but a better BBB rating of A+. Both banks have no maintenance fees, but Pibank's lower App Store and Google Play ratings may concern potential customers. Pibank's account has no minimum deposit requirement, making it more accessible compared to TIMBR's $1,000 minimum deposit for its Premium Savings Account.
→ As of October 21, 2025 Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
→ Pibank yields $20 more than TIMBR on a $10,000 balance after one year. Pibank pays $460, while TIMBR pays $440 - an APY advantage for Pibank.
Calculate Savings Growth for Pibank vs TIMBR
All calculations are based on APY.
Pibank - Pibank Savings
Top APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewTIMBR - Premium Savings Account
Top APY: 4.40%
Total savings breakdown:
- Interest earned: $2,694.7 (13.02%)
- Total contributions: $13,000 (62.82%)
- Initial deposit: $5,000 (24.16%)
Your total balance
$20,694.70
Effective APY: 4.40% (based on your deposit and contributions)
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Pibank's total earnings would be $131.1 higher than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Pibank's vs TIMBR's Savings Accounts
| Pibank | TIMBR | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Premium Savings Account |
| APY | 4.60% (as of 10/21/2025) | 4.40% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $1,000 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 2.4/5 | No | |
| Google Play Rating | 1.7/5 | No | |
| BBB Rating | A | A+ |
Comparative Historical APY Insights (Last 8 Months)
| Pibank | TIMBR | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Premium Savings Account |
| Latest APY | 4.60 % | 4.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -1.9 | |
| Rate Changes / Mo | 0.00 | 0.12 | |
| Days Since Last Change | 244 | 190 | |
| High (-8 m) | 4.60 % | 4.55 % | |
| Low (-8 m) | 4.60 % | 4.40 % | |
| Draw-down from High | 0.0 % | -3.3 % | |
| Volatility (CV) | 0.000 | 0.014 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 245 days.
- Low (-8 m)
- Lowest APY in the last 245 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.51% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs Elevault | 4.34% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FNBO Direct | 3.00% | $1 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.20% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1,000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 0.05% | $25 |
| Pibank vs Zynlo Bank | 4.20% | $10 |
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.40% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.51% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs Bask Bank | 4.05% | $0 |
| TIMBR vs BrioDirect | 4.20% | $5,000 |
| TIMBR vs Capital One | 3.40% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.50% | $0 |
| TIMBR vs CIT Bank | 3.85% | $100 |
| TIMBR vs Citizens Access™ | 3.50% | $0.01 |
| TIMBR vs Discover Bank | 3.40% | $0 |
| TIMBR vs Elevault | 4.34% | $0 |
| TIMBR vs EverBank | 4.05% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FNBO Direct | 3.00% | $1 |
| TIMBR vs FVCbank | 4.10% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs LendingClub | 4.20% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Neighbors Bank | 4.50% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.20% | $100 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.01% | $25 |
| TIMBR vs SoFi Bank | 4.50% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs UFB Direct | 3.96% | $5000 |
| TIMBR vs Valley Direct | 4.10% | $1,000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |
| TIMBR vs Zynlo Bank | 4.20% | $10 |