Timbr vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of TIMBR vs. Wealthfront
Key Metrics at a Glance
| Feature | TIMBR | Wealthfront |
|---|---|---|
| Top Savings APY | 4.40% Premium Savings Account | 4.15% Cash Account |
| Minimum to Open | $1,000 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% compared to Wealthfront's 4.15%.
- TIMBR has an A+ BBB rating, indicating better trustworthiness than Wealthfront's F rating.
- No maintenance fees are charged by TIMBR for its Premium Savings Account.
Potential Drawbacks
- TIMBR requires a minimum deposit of $1,000 for its Premium Savings Account.
- TIMBR has no branches, which may limit in-person support.
Wealthfront
Strengths
- Wealthfront has a lower minimum deposit requirement of $0 for its Cash Account.
- Wealthfront has high App Store and Google Play ratings of 4.8 and 4.9, respectively.
Potential Drawbacks
- Wealthfront's APY drops to 3.50% after three months for new clients.
- Wealthfront has an F BBB rating, indicating significant trust issues.
→ As of November 12, 2025 TIMBR offers an APY of 4.40% for its Premium Savings Account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ TIMBR yields $25 more than Wealthfront on a $10,000 balance after one year. TIMBR pays $440, while Wealthfront pays $415 - an APY advantage for TIMBR.
Calculate Savings Growth for TIMBR vs Wealthfront
TIMBR - Premium Savings Account
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
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, TIMBR's total earnings would be $162.9 higher than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare TIMBR's vs Wealthfront's Savings Accounts
| TIMBR | Wealthfront | ||
|---|---|---|---|
| Product | Premium Savings Account | vs | Cash Account |
| APY | 4.40% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $1,000 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | No | 4.8/5 | |
| Google Play Rating | No | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.