Popular Direct vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Popular DirectPopular Direct Select Savings Jan 7, 2026 | TIMBRPremium Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 4.40% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $100 | $1,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | FDIC InsuredLow Minimums |
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.
Comparison Analysis
Comparing Popular Direct vs. TIMBR
As of Popular Direct offers an APY of 3.90% for its Popular Direct Select 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.
TIMBR pays $50 more than Popular Direct on a $10,000 balance after one year. Popular Direct pays $390, while TIMBR pays $440 - an APY advantage for TIMBR.
Why Popular Direct?
No distinct advantages found vs TIMBR.
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.90%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $390/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $975/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $50 more interest on a $10,000 balance than Popular Direct's Popular Direct Select 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 is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees and no direct deposit requirement, providing simplicity for users. In contrast, Popular Direct's Select Savings account offers a lower APY of 3.90% with a minimum deposit of $100, also without maintenance fees. Both accounts compound interest daily and are FDIC insured, but TIMBR's higher yield makes it the more attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Popular Direct vs. TIMBR Savings Calculator
You earn $50 more with TIMBR than Popular Direct 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.
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | Popular Direct | TIMBR |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.40% Verified: 1/7/2026 Stable (90d) |
| Product Name | Popular Direct Select Savings | Premium Savings Account |
| Minimum Deposit | $100 | $1,000 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS1.3 Android1.3 | iOS- Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Popular Direct Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Popular Direct | TIMBR |
|---|---|---|
| Popular Direct Select Savings | Premium Savings Account | |
Current APY | 3.90% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.7 | -1.1 |
Days Since Change | 23 | 268 |
11-Month High | 4.30% | 4.55% |
11-Month Low | 3.90% | 4.40% |
Adjustments / Mo | 0.65 | 0.09 |
Volatility Score | 0.019 | 0.012 |
How to read these metrics(Click to expand)
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