Timbr vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of TIMBR vs. UFB Direct
Key Metrics at a Glance
| Feature | TIMBR | UFB Direct |
|---|---|---|
| Top Savings APY | 4.40% Premium Savings Account | 3.96% UFB Checking and Savings Bundle |
| Minimum to Open | $1,000 | $5000 |
| Minimum Balance for Top APY | $0 | $10,000 |
| Note | The regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% compared to UFB Direct's highest APY of 3.96%.
- No maintenance fees for the Premium Savings Account.
- No direct deposit requirement for TIMBR's account.
Potential Drawbacks
- TIMBR is not BBB Accredited, which may raise trust concerns.
- Only one account option available with high APY.
- No mobile app ratings available for TIMBR.
UFB Direct
Strengths
- UFB Direct is BBB Accredited, indicating higher trustworthiness.
- Offers a second savings option, UFB Portfolio Savings, with a 3.76% APY.
- High App Store rating of 4.8 and Google Play rating of 4.5.
Potential Drawbacks
- UFB Direct's highest APY requires direct deposits and a minimum balance of $10,000.
- Current APY of 3.96% is lower than 30 days ago (previously 4.10%).
- Minimum deposit of $5,000 required for the UFB Checking and Savings Bundle.
Summary: TIMBR offers a higher APY of 4.40% without requiring direct deposits, while UFB Direct's highest APY is 3.96%, requiring a minimum balance and direct deposits. UFB Direct is BBB Accredited and has better app ratings, but has more stringent account requirements. TIMBR has fewer account options and lacks mobile app ratings, making it less versatile.
→ As of October 21, 2025 TIMBR offers an APY of 4.40% for its Premium Savings Account, with a minimum balance of $0, compared to UFB Direct's 3.96% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ TIMBR yields $44 more than UFB Direct on a $10,000 balance after one year. TIMBR pays $440, while UFB Direct pays $396 - an APY advantage for TIMBR.
→ In addition, UFB Direct also offers 3.76% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for TIMBR vs UFB Direct
All calculations are based on APY.
TIMBR - Premium Savings Account
Top 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 OverviewUFB Direct - UFB Checking and Savings Bundle
Top APY: 3.96%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,379.1 (11.67%)
- Total contributions: $13,000 (63.79%)
- Initial deposit: $5,000 (24.53%)
Your total balance
$20,379.10
Effective APY: 3.91% (based on your deposit and contributions)
Total balance: $20,379.1
Earnings: $2,379.1
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, TIMBR's total earnings would be $315.6 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare TIMBR's vs UFB Direct's Savings Accounts
| TIMBR | UFB Direct | |||
|---|---|---|---|---|
| Product | Premium Savings Account | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 4.40% (as of 10/21/2025) | 3.76% (as of 10/21/2025) | 3.76% - 3.96% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $1,000 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | The regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | No | 4.8/5 | ||
| Google Play Rating | No | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| TIMBR | UFB Direct | |||
|---|---|---|---|---|
| Product | Premium Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.40 % | 3.96 % | 3.76 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -1.9 | -1.7 | -1.7 | |
| Rate Changes / Mo | 0.12 | 0.24 | 0.24 | |
| Days Since Last Change | 190 | 19 | 19 | |
| High (-8 m) | 4.55 % | 4.21 % | 4.01 % | |
| Low (-8 m) | 4.40 % | 3.96 % | 3.76 % | |
| Draw-down from High | -3.3 % | -5.9 % | -6.2 % | |
| Volatility (CV) | 0.014 | 0.017 | 0.017 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 245 days.
- Low (-8 m)
- Lowest APY in the last 245 days.
- Draw-down from High
- How far today sits below the 8-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.
More Comparisons
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.40% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.51% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs Bask Bank | 4.05% | $0 |
| TIMBR vs BrioDirect | 4.20% | $5,000 |
| TIMBR vs Capital One | 3.40% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.50% | $0 |
| TIMBR vs CIT Bank | 3.85% | $100 |
| TIMBR vs Citizens Access™ | 3.50% | $0.01 |
| TIMBR vs Discover Bank | 3.40% | $0 |
| TIMBR vs Elevault | 4.34% | $0 |
| TIMBR vs EverBank | 4.05% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FNBO Direct | 3.00% | $1 |
| TIMBR vs FVCbank | 4.10% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs LendingClub | 4.20% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Neighbors Bank | 4.50% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.20% | $100 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.01% | $25 |
| TIMBR vs SoFi Bank | 4.50% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs Valley Direct | 4.10% | $1,000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |
| TIMBR vs Zynlo Bank | 4.20% | $10 |