Presidential Bank vs Timbr
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Presidential Bank vs. TIMBR
As of September 5, 2025 Presidential Bank offers an APY of 4.50% for its Advantage Savings account, with a minimum balance of N/A, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
Presidential Bank yields $10 more than TIMBR on a $10,000 balance after one year. Presidential Bank pays $450, while TIMBR pays $440 - an APY advantage for Presidential Bank.
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.50% for its Advantage Savings account.
- Presidential Bank has 10 branches located in Maryland, Virginia, and Washington D.C.
- Presidential Bank has a strong App Store rating of 4.8.
Potential Drawbacks
- Presidential Bank requires a $500 monthly direct deposit to earn the higher APY.
- Presidential Bank's Google Play rating is lower at 4.2.
TIMBR
Strengths
- TIMBR's Premium Savings Account has no direct deposit requirement.
- TIMBR has a higher BBB rating of A+ compared to Presidential Bank's A-.
Potential Drawbacks
- TIMBR offers a lower APY of 4.40% compared to Presidential Bank.
- TIMBR does not have any physical branches.
Summary: Presidential Bank provides a higher APY of 4.50% and has physical branches, while TIMBR has a lower APY of 4.40% but a superior BBB rating of A+. Additionally, TIMBR does not require direct deposits for its account, which may appeal to some customers. However, Presidential Bank's App Store rating is notably higher at 4.8 compared to TIMBR's absence of an app rating.
Compare Presidential Bank's vs TIMBR's Savings Accounts
| Presidential Bank | TIMBR | ||
|---|---|---|---|
| Product | Advantage Savings | vs | Premium Savings Account |
| APY | 4.00% - 4.50% (as of 9/5/2025) | 4.40% (as of 9/5/2025) | |
| Bundled Account | Yes | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $5,000 | $1,000 | |
| Minimum Balance for APY | N/A | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | No | |
| App Store Rating | 4.8/5 | No | |
| Google Play Rating | 4.2/5 | No | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Presidential Bank | TIMBR | ||
|---|---|---|---|
| Product | Advantage Savings | vs | Premium Savings Account |
| Latest APY | 4.50 % | 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) | 4.50 % | 4.55 % | |
| Low (-6 m) | 4.50 % | 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 Presidential Bank vs TIMBR
All calculations are based on APY.
Presidential Bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
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, Presidential Bank's total earnings would be $65.4 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 Presidential Bank's APY of 4.50% with other banks
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 Pibank | 4.60% | $0 |
| 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 |