TIMBR vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
TIMBR
Premium Savings Account
4.40%APYDec 10, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
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.
TIMBR vs. Upgrade Savings Calculator
TIMBR earns $865.1 more than Upgrade.
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TIMBR vs. Upgrade
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.05%) on all balances
Why Upgrade?
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.5 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $305/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $763/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
UpgradeUpgrade offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $135 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
TIMBR offers a competitive Premium Savings Account with an APY of 4.40%, significantly higher than Upgrade's Premier Savings account, which has an APY of 3.05%. TIMBR's account requires a minimum deposit of $1,000 but has no maintenance fees or direct deposit requirements, making it an appealing option for savers. In contrast, Upgrade's Premier Savings account also has a minimum deposit of $1,000 but offers a lower yield. Both accounts are online-only, and TIMBR stands out for its higher returns without any additional conditions.
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.
Top Market Contenders
See who beats both TIMBR and Upgrade.
| Feature | TIMBR | Upgrade |
|---|---|---|
| APY | 4.40% Verified: 12/10/2025 Stable (90d) | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | Premium Savings Account | Premier Savings |
| Minimum Deposit | $1,000 | $0 |
| Min. Balance for APY | $0 | $1,000 |
| 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 | iOS- Android- | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TIMBR | Upgrade |
|---|---|---|
| Premium Savings Account | Premier Savings | |
Current APY | 4.40% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.3 | -11.4 |
Days Since Change | 240 | 39 |
10-Month High | 4.55% | 4.14% |
10-Month Low | 4.40% | 3.05% |
Adjustments / Mo | 0.10 | 0.31 |
Volatility Score | 0.013 | 0.107 |
How to read these metrics(Click to expand)
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