High-Yield Savings Account Comparison

TIMBR vs. UFB Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

TIMBR

Premium Savings Account

4.40%
APY
Dec 6, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58210)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

UFB Direct

UFB Checking and Savings Bundle

Up to
3.71%
APY
Dec 6, 2025
FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android App
Range: 3.51% – 3.71%
Show Fine Print & Trends
Min. Deposit$5000
Min. Balance$10,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.3
BBB Rating
A+(BBB Accredited)

Important Note

The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Sponsored LinkOpen Account

at UFB Direct, Member FDIC

Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing TIMBR vs. UFB Direct

Updated: Dec 6, 2025

Why TIMBR?

  • ✓Higher potential APY (4.40% vs 3.51%-3.71%) on all balances

Why UFB Direct?

  • ✓Offers 2.00% APY on Checking Account in addition to the savings APY
  • ✓Access to over 90,000 fee-free ATMs
  • ✓Higher rated iOS app (4.8 vs 0.0)
  • ✓Higher rated Android app (4.3 vs 0.0)
  • ✓Offers 2 different high-yield savings options

— Key Feature Differences —

Better Returns at $10,000
TIMBR

TIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $371/yr).

Better Returns at $25,000
TIMBR

TIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $928/yr).

Best for Simplicity
TIMBR

TIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
UFB Direct

UFB Direct offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.3 (vs. 0.0)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, TIMBR's Premium Savings Account pays $69 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.

UFB DirectTIMBR
Automated Data Audit

Executive Summary

TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner among the two banks. This account requires a minimum deposit of $1,000, but there are no direct deposit requirements or maintenance fees, and it is available online only. In contrast, UFB Direct provides a UFB Portfolio Savings account with a lower APY of 3.51% and also has no minimum deposit or maintenance fees, but it is online-only as well. UFB Direct also offers a bundled checking and savings option, which can yield up to 3.71% APY with certain conditions, including a minimum balance and direct deposits.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreTIMBRExploreUFB Direct

Top Market Contenders

See who beats both TIMBR and UFB Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.20% vs TIMBR
Better Rate
Pibank vs TIMBRPibank vs UFB Direct
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.10% vs TIMBR
Better Rate
Neighbors Bank vs TIMBRNeighbors Bank vs UFB Direct
FeatureTIMBRUFB Direct
APY
4.40%
Verified: 12/6/2025
Stable (90d)
3.71%
Range: 3.51% - 3.71%
Verified: 12/6/2025
↘︎ 0.50%90d Change
Product NamePremium Savings AccountUFB Checking and Savings Bundle
Minimum Deposit$1,000$5000
Min. Balance for APY$0$10,000
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.None
Required
Checking BundleNo Yes
Mobile Apps
iOS-
Android-
iOS4.8
Android4.3
BBB RatingA+A+
Important Notes-The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.
Next Steps
- View Details
SponsoredOpen Account

Savings Comparison

Calculations based on current APY.
$
$

TIMBR earns $476 more than UFB Direct.

TIMBR

Premium Savings Account

4.40% APY

Savings Breakdown

  • Interest Earned
    +$2,694.70(13.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,694.70

Effective APY
4.40%
View Details

UFB Direct

UFB Checking and Savings Bundle

3.71% APY

Higher APY requires $10,000

Savings Breakdown

  • Interest Earned
    +$2,218.70(11.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,218.70

Effective APY
3.66%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricTIMBRUFB Direct
Premium Savings AccountUFB Checking and Savings BundleUFB Portfolio Savings
Current APY
4.40%3.71%3.51%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-1.3-5.1-5.1
Days Since Change
2363737
10-Month High
4.55%4.21%4.01%
10-Month Low
4.40%3.71%3.51%
Adjustments / Mo
0.100.310.31
Volatility Score
0.0130.0470.049
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 290-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare TIMBR vs...

Comparing against Standard Savings

vs TIMBR
PibankNo Bundle Req
4.60%
APY
vs TIMBR
Neighbors BankNo Bundle Req
4.50%
APY
vs TIMBR
Newtek BankNo Bundle Req
4.35%
APY

Compare UFB Direct vs...

Comparing against other Bundled Accounts

vs UFB Direct
Axos BankChecking Bundle
4.31%
APY
vs UFB Direct
SoFi BankChecking Bundle
4.30%
APY
vs UFB Direct
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare TIMBR's APY of 4.40% with other banks
Bank PairCompetitor APYMin Deposit
TIMBR vs Ally Bank3.30%$0
TIMBR vs American Express3.40%$0
TIMBR vs Axos Bank4.31%$0
TIMBR vs Bank of America0.01%$100
TIMBR vs Barclays4.00%$0
TIMBR vs Bask Bank3.90%$0
TIMBR vs BMO Alto3.25%$0
TIMBR vs BrioDirect4.00%$5,000
TIMBR vs Capital One3.40%$0
TIMBR vs Chase Bank0.01%$0
TIMBR vs Chime3.50%$0
TIMBR vs CIT Bank3.75%$100
TIMBR vs Citibank3.30%$0
TIMBR vs Citizens Access™3.35%$0.01
TIMBR vs Climate First Bank4.21%$50
TIMBR vs Discover Bank3.40%$0
TIMBR vs Elevault4.08%$0
TIMBR vs EverBank4.05%$0
TIMBR vs Fitness Bank4.75%$100
TIMBR vs FNBO Direct3.00%$1
TIMBR vs Forbright Bank4.00%$0
TIMBR vs FVCbank3.85%$500
TIMBR vs GO2bank4.50%$0
TIMBR vs Ivy Bank4.25%$2,500
TIMBR vs LendingClub4.20%$0
TIMBR vs Marcus by Goldman Sachs3.65%$0
TIMBR vs Neighbors Bank4.50%$0
TIMBR vs Newtek Bank4.35%$0.01
TIMBR vs Openbank4.20%$500
TIMBR vs Peak Bank4.20%$100
TIMBR vs Pibank4.60%$0
TIMBR vs PNC3.53%$0
TIMBR vs Presidential Bank4.00%$5,000
TIMBR vs Quontic Bank3.75%$100
TIMBR vs Salem Five Direct3.71%$10
TIMBR vs Santander Bank0.01%$25
TIMBR vs SoFi Bank4.30%$0
TIMBR vs Synchrony Bank3.65%$0
TIMBR vs Valley Direct4.10%$1,000
TIMBR vs Varo Bank5.00%$0
TIMBR vs Vio Bank4.16%$100
TIMBR vs Wealthfront4.15%$0
TIMBR vs Wells Fargo0.05%$25
TIMBR vs Zynlo Bank4.05%$10
Compare UFB Direct's APY of 3.71% with other banks
Bank PairCompetitor APYMin Deposit
UFB Direct vs Ally Bank3.30%$0
UFB Direct vs American Express3.40%$0
UFB Direct vs Bank of America0.01%$100
UFB Direct vs Barclays4.00%$0
UFB Direct vs Bask Bank3.90%$0
UFB Direct vs BMO Alto3.25%$0
UFB Direct vs BrioDirect4.00%$5,000
UFB Direct vs Capital One3.40%$0
UFB Direct vs Chase Bank0.01%$0
UFB Direct vs Chime3.50%$0
UFB Direct vs CIT Bank3.75%$100
UFB Direct vs Citibank3.30%$0
UFB Direct vs Citizens Access™3.35%$0.01
UFB Direct vs Climate First Bank4.21%$50
UFB Direct vs Discover Bank3.40%$0
UFB Direct vs Elevault4.08%$0
UFB Direct vs EverBank4.05%$0
UFB Direct vs Fitness Bank4.75%$100
UFB Direct vs FNBO Direct3.00%$1
UFB Direct vs Forbright Bank4.00%$0
UFB Direct vs FVCbank3.85%$500
UFB Direct vs GO2bank4.50%$0
UFB Direct vs Ivy Bank4.25%$2,500
UFB Direct vs LendingClub4.20%$0
UFB Direct vs Marcus by Goldman Sachs3.65%$0
UFB Direct vs Neighbors Bank4.50%$0
UFB Direct vs Newtek Bank4.35%$0.01
UFB Direct vs Openbank4.20%$500
UFB Direct vs Peak Bank4.20%$100
UFB Direct vs Pibank4.60%$0
UFB Direct vs PNC3.53%$0
UFB Direct vs Presidential Bank4.00%$5,000
UFB Direct vs Quontic Bank3.75%$100
UFB Direct vs Salem Five Direct3.71%$10
UFB Direct vs Santander Bank0.01%$25
UFB Direct vs SoFi Bank4.30%$0
UFB Direct vs Synchrony Bank3.65%$0
UFB Direct vs Valley Direct4.10%$1,000
UFB Direct vs Varo Bank5.00%$0
UFB Direct vs Vio Bank4.16%$100
UFB Direct vs Wealthfront4.15%$0
UFB Direct vs Wells Fargo0.05%$25
UFB Direct vs Zynlo Bank4.05%$10