TIMBR vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | TIMBRPremium Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.40% | 3.25% - 3.90% |
Est. Earnings | $5,000+$220 $10,000+$440 $25,000+$1,100 | $5,000+$171 $10,000+$341 $25,000+$853 |
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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android 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.
Comparison Analysis
Comparing TIMBR vs. Wealthfront
As of TIMBR offers an APY of 4.40% for its Premium Savings Account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
TIMBR pays $99 more than Wealthfront on a $10,000 balance after one year. TIMBR pays $440, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for TIMBR.
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.90%) 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. $440 vs $341/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $853/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
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 $99 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.
Executive Summary as of
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the winner among the two banks. This account requires a minimum deposit of $1,000 but has no maintenance fees or direct deposit requirements, and it is available online only. In contrast, Wealthfront's Cash Account provides an initial APY of 3.90% for new clients for three months, which then drops to 3.25%. While Wealthfront has a strong mobile app experience, its APY is lower than TIMBR's, making TIMBR the better choice for those seeking higher returns.
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. Wealthfront Savings Calculator
You earn $97.5 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+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | TIMBR | Wealthfront |
|---|---|---|
| APY | 4.40% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Premium Savings Account | Cash Account |
| Minimum Deposit | $1,000 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | 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 3.90% for 3 months, after which the 3.25% 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 | 4.40% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -18.8 |
Days Since Change | 54 | 19 |
2-Month High | 4.40% | 4.15% |
2-Month Low | 4.40% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare TIMBR vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.