TIMBR vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | TIMBRPremium Savings Account Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.40% | 4.09% |
Est. Earnings | $5,000+$220 $10,000+$440 $25,000+$1,100 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $1,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | FDIC InsuredLow MinimumsGreat iOS App |
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.
As of TIMBR offers an APY of 4.40% for its Premium Savings Account, with a minimum balance of $0, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
TIMBR pays $31 more than Vio Bank on a $10,000 balance after one year. TIMBR pays $440, while Vio Bank pays $409 - an APY advantage for TIMBR.
Why TIMBR?
- ✓Higher potential APY (4.40% vs 4.09%) on all balances
Why Vio Bank?
- ✓Higher rated iOS app (4.6 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $409/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1023/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $31 more interest on a $10,000 balance than Vio Bank's Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
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 and has no maintenance fees, direct deposit requirements, or caps, making it straightforward for savers. In contrast, Vio Bank's Online Savings Account provides a lower APY of 4.09% with a minimum deposit of $100. Both accounts are online-only and have no maintenance fees if specific conditions are met. Overall, TIMBR's offering stands out for its higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
TIMBR vs. Vio Bank Savings Calculator
You earn $31 more with TIMBR than Vio Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | TIMBR | Vio Bank |
|---|---|---|
| APY | 4.40% Verified: 1/7/2026 Stable (90d) | 4.09% Verified: 1/7/2026 - |
| Product Name | Premium Savings Account | Online Savings Account |
| Minimum Deposit | $1,000 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at TIMBR Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TIMBR | Vio Bank |
|---|---|---|
| Premium Savings Account | Online Savings Account | |
Current APY | 4.40% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -2.7 |
Days Since Change | 55 | 1 |
2-Month High | 4.40% | 4.21% |
2-Month Low | 4.40% | 4.09% |
Adjustments / Mo | 0.00 | 1.09 |
Volatility Score | 0.000 | 0.005 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare TIMBR vs...
Comparing against Standard Savings
Compare Vio Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.