TIMBR vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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.
Comparison Analysis
Comparing TIMBR vs. Valley Direct
Why TIMBR?
- ✓Higher potential APY (4.40% vs 4.10%) on all balances
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 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 $410/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1025/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
Valley DirectValley Direct offers an iOS app rated 4.8 (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 $30 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner in this comparison. This account requires a minimum deposit of $1,000, has no maintenance fees, and does not require direct deposit, making it straightforward for users. In contrast, Valley Direct's High-Yield Savings Account provides a slightly lower APY of 4.10%, but this rate is only available to new customers, while existing customers receive a lower rate of 3.50%. Both accounts are online-only, and Valley Direct's app experience is noted as superior, but TIMBR's higher APY positions it as the more attractive option for savers.
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 Valley Direct.
| Feature | TIMBR | Valley Direct |
|---|---|---|
| APY | 4.40% Verified: 12/6/2025 Stable (90d) | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Premium Savings Account | High-Yield Savings Account |
| Minimum Deposit | $1,000 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| 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- | iOS4.8 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
TIMBR earns $195.3 more than Valley Direct.
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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TIMBR | Valley Direct |
|---|---|---|
| Premium Savings Account | High-Yield Savings Account | |
Current APY | 4.40% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.3 | -1.1 |
Days Since Change | 236 | 71 |
10-Month High | 4.55% | 4.40% |
10-Month Low | 4.40% | 3.75% |
Adjustments / Mo | 0.10 | 0.72 |
Volatility Score | 0.013 | 0.033 |
How to read these metrics(Click to expand)
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