Timbr vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of TIMBR vs. Valley Direct
Key Metrics at a Glance
| Feature | TIMBR | Valley Direct |
|---|---|---|
| Top Savings APY | 4.40% Premium Savings Account | 4.10% High-Yield Savings Account |
| Minimum to Open | $1,000 | $1000 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% compared to Valley Direct's 4.10%.
- No maintenance fees for the Premium Savings Account at TIMBR.
- No minimum balance requirement for the Premium Savings Account.
Potential Drawbacks
- TIMBR has no physical branches for in-person service.
- No direct deposit option available for the Premium Savings Account.
Valley Direct
Strengths
- Valley Direct has physical branches in NJ, NY, FL, and AL for customer service.
- Valley Direct's app has a higher App Store rating of 4.8 compared to TIMBR.
Potential Drawbacks
- Valley Direct's APY decreased from 4.30% to 4.10% in the last 30 days.
- Eligibility for the High-Yield Savings Account promo is restricted to new customers.
Summary: TIMBR's Premium Savings Account offers a higher APY of 4.40% with no fees or minimum balance, but lacks physical branches. Valley Direct provides branch access and a strong app rating, but its APY is lower at 4.10% and has recently decreased. Both banks do not require direct deposits, but Valley Direct's promo is limited to new customers.
→ As of October 16, 2025 TIMBR offers an APY of 4.40% for its Premium Savings Account, with a minimum balance of $0, compared to Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ TIMBR yields $30 more than Valley Direct on a $10,000 balance after one year. TIMBR pays $440, while Valley Direct pays $410 - an APY advantage for TIMBR.
Calculate Savings Growth for TIMBR vs Valley Direct
All calculations are based on APY.
TIMBR
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 OverviewValley Direct
APY: 4.10%
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Effective APY: 4.10% (based on your deposit and contributions)
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, TIMBR's total earnings would be $195.3 higher than Valley Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare TIMBR's vs Valley Direct's Savings Accounts
| TIMBR | Valley Direct | ||
|---|---|---|---|
| Product | Premium Savings Account | vs | High-Yield Savings Account |
| APY | 4.40% (as of 10/16/2025) | 4.10% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $1,000 | $1000 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | Promo. Eligibility restricted to new customers. | ||
| 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 | Valley Direct | ||
|---|---|---|---|
| Product | Premium Savings Account | vs | High-Yield Savings Account |
| Latest APY | 4.40 % | 4.10 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -1.9 | 0.6 | |
| Rate Changes / Mo | 0.13 | 0.88 | |
| Days Since Last Change | 185 | 20 | |
| High (-8 m) | 4.55 % | 4.40 % | |
| Low (-8 m) | 4.40 % | 3.75 % | |
| Draw-down from High | -3.3 % | -6.8 % | |
| Volatility (CV) | 0.014 | 0.034 |
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 239 days.
- Low (-8 m)
- Lowest APY in the last 239 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 UFB Direct | 3.96% | $5000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 2.51% | $25 |
| TIMBR vs Zynlo Bank | 4.20% | $10 |