Neighbors Bank

Last Updated: 6/20/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Neighbors Savings Account: 4.60% APY(Rank 5 out of 74 tracked HYSAs)

Minimum Deposit: $0 | Eligible States: Limited (see below)

National Savings Interest Rate: 0.42% (as of 5/19/2025)

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 maintenance fees or minimum balance requirements
  • A+ BBB rating indicates trustworthiness
  • 4.2 Google Play rating shows user satisfaction

Considerations

  • Not BBB Accredited
  • Only one branch location in Columbia, Missouri
  • 3.5 App Store rating may deter some users
  • No direct deposit requirement may limit some account options
Summary: Neighbors Bank offers a competitive 4.60% APY on its Neighbors Savings Account, with no fees or minimum balance requirements. While it holds an A+ BBB rating, it is not BBB accredited and has only one branch in Columbia, Missouri. User feedback is mixed, reflected in its 3.5 App Store rating compared to a higher 4.2 on Google Play. The lack of a direct deposit requirement may limit account options for some savers.

Savings Account

Savings Account Offered by Neighbors Bank

FeatureNeighbors Savings Account
APY
4.60% (as of 6/20/2025)
APY TrendStable for the last month
Minimum Deposit$0
Minimum Balance for APY$0
FDIC-insured
Yes
Online OnlyNo
Bundled Account
No
Direct Deposit Required
No
Compound Frequency
N/A
Maintenance Fee$0
EligibilityNot available in Delaware.
NoteBalances 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

MetricNeighbors Savings Account
Latest APY4.60 %
TrendSideways
Slope (bps/mo)-2.3
Rate Changes / Mo0.26
Days Since Last Change101
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 115 days.
Low (-4 m)
Lowest APY in the last 115 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.

Compare Neighbors Bank's Savings Account

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FeatureNeighbors BankSelect a bank...
ProductNeighbors Savings AccountN/A
APY
4.60% (as of 6/20/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyNoN/A
Compound Frequency
N/AN/A
Minimum Deposit$0N/A
Minimum Balance for APY$0N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A
EligibilityNot available in Delaware.United States
NoteBalances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY.N/A