Pibank vs Timbr
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
We earn a commission if you open an account through some links on this page.
Summary of Pibank vs. TIMBR
As of September 5, 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.
Pibank
Strengths
- Pibank offers a higher APY of 4.60% compared to TIMBR's 4.40%.
- No minimum deposit required for Pibank Savings account.
Potential Drawbacks
- Pibank has a low App Store rating of 2.4.
- Pibank's Google Play rating is even lower at 1.8.
- Pibank is not BBB accredited.
TIMBR
Strengths
- TIMBR has a higher BBB rating of A+ compared to Pibank's A.
- No maintenance fees for TIMBR's Premium Savings Account.
Potential Drawbacks
- TIMBR requires a minimum deposit of $1,000 for its savings account.
- TIMBR's APY is lower than Pibank's by 0.20%.
Summary: Pibank offers a higher APY of 4.60% with no minimum deposit, while TIMBR's APY is 4.40% and requires a $1,000 minimum deposit. TIMBR has a better BBB rating of A+, but Pibank has significantly lower app ratings, with 2.4 on the App Store and 1.8 on Google Play.
Compare Pibank's vs TIMBR's Savings Accounts
| Pibank | TIMBR | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Premium Savings Account |
| APY | 4.60% (as of 9/5/2025) | 4.40% (as of 9/5/2025) | |
| 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 | 1.8/5 | No | |
| BBB Rating | A | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Pibank | TIMBR | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Premium Savings Account |
| Latest APY | 4.60 % | 4.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -2.6 | |
| Rate Changes / Mo | 0.00 | 0.15 | |
| Days Since Last Change | 197 | 144 | |
| High (-6 m) | 4.60 % | 4.55 % | |
| Low (-6 m) | 4.60 % | 4.40 % | |
| Draw-down from High | 0.0 % | -3.3 % | |
| Volatility (CV) | 0.000 | 0.015 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 198 days.
- Low (-6 m)
- Lowest APY in the last 198 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for Pibank vs TIMBR
All calculations are based on APY.
Pibank
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
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.
More Comparisons
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.50% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.46% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs BrioDirect | 4.30% | $5,000 |
| Pibank vs Capital One | 3.50% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.75% | $0 |
| Pibank vs CIT Bank | 4.00% | $100 |
| Pibank vs Discover Bank | 3.50% | $0 |
| Pibank vs Elevault | 4.60% | $0 |
| Pibank vs EverBank | 4.30% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FVCbank | 4.35% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.60% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.35% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.03% | $25 |
| Pibank vs SoFi Bank | 3.80% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs UFB Direct | 4.21% | $5000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 2.51% | $25 |
| Pibank vs Zynlo Bank | 4.35% | $10 |
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.50% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.46% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs BrioDirect | 4.30% | $5,000 |
| TIMBR vs Capital One | 3.50% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.75% | $0 |
| TIMBR vs CIT Bank | 4.00% | $100 |
| TIMBR vs Discover Bank | 3.50% | $0 |
| TIMBR vs Elevault | 4.60% | $0 |
| TIMBR vs EverBank | 4.30% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FVCbank | 4.35% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Neighbors Bank | 4.60% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.35% | $100 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.03% | $25 |
| TIMBR vs SoFi Bank | 3.80% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs UFB Direct | 4.21% | $5000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 2.51% | $25 |
| TIMBR vs Zynlo Bank | 4.35% | $10 |