Neighbors Bank: Savings Account & Rates
Mission: Banksparency aims to make Neighbors Bank's savings account transparent and comparable to the market.
Savings Overview
Neighbors Savings Account
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
Bank Overview
- HQ LocationColumbia, Missouri
- Founded1945
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 16247)
Our Take on Neighbors Bank
The Good
- High 4.30% APY on balances up to $250,000
- No minimum deposit or balance requirements
- No monthly maintenance fees
- Highly rated Android app (4.4 stars)
- Access to physical branches
Considerations
- APY drastically decreases for balances over $250,000
- Low-rated iOS app (3.3 stars)
Neighbors Bank offers a Neighbors Savings Account with a competitive 4.30% APY on balances up to $250,000. However, any amount exceeding this threshold will earn a significantly lower rate of 0.05% APY. This account has no minimum deposit or balance requirements and does not charge monthly maintenance fees. Additionally, there are no direct deposit requirements. While the bank provides access to physical branches and boasts a highly rated Android app (4.4 stars), the iOS app has a lower rating (3.3 stars).
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Neighbors Bank
| Feature | Neighbors Savings Account |
|---|---|
APY | 4.30%Verified: 1/7/2026 |
APY Trend | 30 days ↘︎ 0.20% 90 days ↘︎ 0.30% |
Min. Deposit | $0 |
Min. Balance | $0 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | Yes |
Compounding | N/A |
FDIC Insured | Yes |
Eligibility | Not available in Delaware. |
Important | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Next Steps | - |
Calculate Savings for Neighbors Bank
Savings Breakdown
- Interest Earned+$1,692.20(10.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,692.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Neighbors Bank Savings Rates Over Time
Historical APY Insights
Last 10 Months| Metric | Neighbors Savings Account |
|---|---|
Latest APY | 4.30% |
Trend | Sideways |
Slope (bps/mo) | -2.6 |
Rate Changes / Mo | 0.29 |
Days Since Last Change | 28 |
High (-10m) | 4.75% |
Low (-10m) | 4.30% |
Draw-down | -9.5% |
Volatility (CV) | 0.023 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 315-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with Neighbors Bank
| Feature | Current View Neighbors Bank | Empty Slot |
|---|---|---|
| Product | Neighbors Savings Account | - |
APY | 4.30%Verified: 1/7/2026 | - |
APY Trend | 30 days ↘︎ 0.20% 90 days ↘︎ 0.30% | - |
| Min. Deposit | $0 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | Yes | - |
| Eligibility | Not available in Delaware. | - |
Compounding | N/A | - |
FDIC Insured | Yes | - |
| Note | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Neighbors Bank's APY of 4.30% with other banks
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