Neighbors Bank
Last Updated: 7/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Neighbors Savings Account: 4.60% APY(Rank 5 out of 76 tracked HYSAs)
Minimum Deposit: $0 | Eligible States: Limited (see below)
National Savings Interest Rate: 0.38% (as of 6/16/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: Columbia, Missouri
Founded: 1945
Access to Branches: One location in Columbia, Missouri
BBB Rating: A+ (Not BBB Accredited)
App Store Rating: 3.5/5
Google Play Rating: 4.2/5
Website: Visit Neighbors Bank
Our Take on Neighbors Bank
Highlights
- 4.60% APY on balances up to $250,000
- No minimum deposit or balance requirements
- No maintenance fees on the savings account
- A+ BBB rating indicates high trustworthiness
Considerations
- Only one branch location in Columbia, Missouri
- Not BBB accredited despite high rating
- 3.5 App Store rating may deter some users
- Direct deposit is not required but may limit options
Summary: Neighbors Bank offers a competitive 4.60% APY on its Neighbors Savings Account, with no minimum deposit or maintenance fees. However, it has only one branch in Columbia, Missouri, and is not BBB accredited despite its A+ rating. The bank's App Store rating of 3.5 may raise concerns for potential customers. Overall, it provides a solid option for savers, particularly those looking for high yields without significant fees.
Savings Account
Savings Account Offered by Neighbors Bank
| Feature | Neighbors Savings Account |
|---|---|
| APY | 4.60% (as of 7/1/2025) |
| APY Trend | Stable for the last month |
| Minimum Deposit | $0 |
| Minimum Balance for APY | $0 |
| FDIC-insured | Yes |
| Online Only | No |
| Bundled Account | No |
| Direct Deposit Required | No |
| Compound Frequency | N/A |
| Maintenance Fee | $0 |
| Eligibility | Not available in Delaware. |
| Note | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. |
No deposit agreement summary available for this bank. | |
Calculate Savings for Neighbors Bank
All calculations are based on APY.
Neighbors Savings Account (APY: 4.60%)
Deposit Frequency:
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
Effective APY: 4.60% (based on your deposit and contributions)
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
| Metric | Neighbors Savings Account |
|---|---|
| Latest APY | 4.60 % |
| Trend | Sideways |
| Slope (bps/mo) | -2.0 |
| Rate Changes / Mo | 0.24 |
| Days Since Last Change | 111 |
| High (-4 m) | 4.75 % |
| Low (-4 m) | 4.60 % |
| Draw-down from High | -3.2 % |
| Volatility (CV) | 0.010 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-4 m)
- Highest APY in the last 125 days.
- Low (-4 m)
- Lowest APY in the last 125 days.
- Draw-down from High
- How far today sits below the 4-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
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| Feature | Neighbors Bank | Select a bank... |
|---|---|---|
| Product | Neighbors Savings Account | N/A |
| APY | 4.60% (as of 7/1/2025) | N/A |
| Bundled Account | No | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | No | N/A |
| Compound Frequency | N/A | N/A |
| Minimum Deposit | $0 | N/A |
| Minimum Balance for APY | $0 | N/A |
| Maintenance Fee | $0 | N/A |
| Direct Deposit Required | No | N/A |
| Eligibility | Not available in Delaware. | United States |
| Note | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. | N/A |