PNC vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | TIMBRPremium Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 4.40% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow Minimums |
As of PNC offers an APY of 3.30% for its PNC High Yield 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 $110 more than PNC on a $10,000 balance after one year. PNC pays $330, while TIMBR pays $440 - an APY advantage for TIMBR.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.6 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.30%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $330/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $825/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
PNCPNC offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $110 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
TIMBR offers a competitive Premium Savings Account with an APY of 4.40%, significantly higher than PNC's High Yield Savings, which has an APY of 3.30%. TIMBR's account is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees or direct deposit requirements, making it straightforward for users. In contrast, PNC's High Yield Savings has no minimum deposit requirement and is available in select states, but it may require a linked account for improved rates. Overall, TIMBR stands out for its higher 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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PNC vs. TIMBR Savings Calculator
You earn $110 more with TIMBR than PNC 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.
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | PNC | TIMBR |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 4.40% Verified: 1/7/2026 Stable (90d) |
| Product Name | PNC High Yield Savings | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $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 Android4.6 | iOS- Android- |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | TIMBR | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | Premium Savings Account | |
Current APY | 3.30% | 0.03% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.6 | 0.2 | -0.9 |
Days Since Change | 21 | 251 | 268 |
10-Month High | 3.95% | 0.03% | 4.55% |
10-Month Low | 3.30% | 0.01% | 4.40% |
Adjustments / Mo | 0.39 | 0.10 | 0.10 |
Volatility Score | 0.057 | 0.286 | 0.011 |
How to read these metrics(Click to expand)
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Comparing against Standard Savings
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Comparing against Standard Savings
High Rates (With Checking Bundle)
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