TIMBR vs. Wealthfront
Comparing TIMBR and Wealthfront for high-yield savings: TIMBR's Premium Savings Account pays 4.15% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? TIMBR pays $69 more than Wealthfront annually ($415 vs $346).
Choose TIMBR if getting the best rate matters most, you want a no-strings-attached account, or you want to avoid a promo rate with a scheduled drop. Choose Wealthfront if you're an iPhone user (no iOS app for TIMBR), or you're an Android user (no Android app for TIMBR).
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). TIMBR's 4.15% rate has no scheduled drop, though all rates are subject to change.
| Metric | TIMBRPremium Savings Account Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.15% | 3.30% - 3.95% |
Est. Earnings | $5,000+$208 $10,000+$415 $25,000+$1,038 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $1,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
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. Wealthfront
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.15%, providing better returns for both small and large deposits without any direct deposit requirements or maintenance fees. This account is online-only and requires a minimum deposit of $1,000. In contrast, Wealthfront's Cash Account features a promotional APY of 3.95% for the first three months, after which it drops to 3.30%. While Wealthfront has an excellent mobile app experience, its overall APY is lower than TIMBR's. Therefore, TIMBR's Premium Savings Account stands out as the better option based on the provided data.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why TIMBR?
- ✓Higher potential APY (4.15% vs 3.95%) on all balances
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 0.0)
- ✓Higher rated Android app (4.9 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $415 vs $346/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1038 vs $866/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.15% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $69 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet TIMBR's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
TIMBR vs. Wealthfront Savings Calculator
You earn $67.5 more with TIMBR than Wealthfront 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+$415.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,415.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both TIMBR and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | TIMBR | Wealthfront |
|---|---|---|
| APY | 4.15% Verified: 2/21/2026 ↘︎ 0.25%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Premium Savings Account | Cash Account |
| Minimum Deposit | $1,000 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | |
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at TIMBR Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TIMBR | Wealthfront |
|---|---|---|
| Premium Savings Account | Cash Account | |
Current APY | 4.15% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.0 | -8.6 |
Days Since Change | 44 | 22 |
3-Month High | 4.40% | 4.15% |
3-Month Low | 4.15% | 3.90% |
Adjustments / Mo | 0.30 | 0.60 |
Volatility Score | 0.029 | 0.028 |
How to read these metrics(Click to expand)
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More Comparisons
Compare TIMBR's APY of 4.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.20% | $0 |
| TIMBR vs American Express | 3.30% | $0 |
| TIMBR vs Axos Bank | 4.21% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 3.85% | $0 |
| TIMBR vs Capital One | 3.30% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.00% | $0 |
| TIMBR vs CIT Bank | 3.75% | $100 |
| TIMBR vs Citibank | 3.20% | $0 |
| TIMBR vs Discover Bank | 3.30% | $0 |
| TIMBR vs EverBank | 3.90% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Newtek Bank | 4.20% | $0.01 |
| TIMBR vs Openbank | 4.09% | $500 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs SoFi Bank | 4.00% | $0 |
| TIMBR vs Synchrony Bank | 3.50% | $0 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |