Neighbors Bank: Savings Accounts & Rates
Mission: Banksparency aims to make Neighbors Bank's savings accounts 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
- Deposit InsuranceFDIC Insured(Cert: 16247)
Our Take on Neighbors Bank
Highlights
- 4.50% APY on balances up to $250,000
- No maintenance fees or minimum balance requirements
- A+ BBB rating with accreditation
- Good Google Play rating of 4.4
Considerations
- Only one branch location in Columbia, Missouri
- App Store rating is relatively low at 3.3
- Not available for residents in Delaware
- APY unchanged from 30 days ago
Savings Account: In-Depth View
Savings Account Offered by Neighbors Bank
| Feature | Neighbors Savings Account |
|---|---|
| APY | 4.50% (as of 11/21/2025) |
| APY Trend | -0.10% QoQ |
| 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 4.50% APY. Anything above will earn 0.05% APY. |
| Sponsored Link | |
No deposit agreement summary available for this bank. | |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (APY: 4.50%)
Total savings breakdown:
- Interest earned: $1,775.4 (11.25%)
- Total contributions: $13,000 (82.41%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,775.40
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 | 4.50 % |
| Trend | Sideways |
| Slope (bps/mo) | -1.4 |
| Rate Changes / Mo | 0.22 |
| Days Since Last Change | 38 |
| High (-9 m) | 4.75 % |
| Low (-9 m) | 4.50 % |
| Draw-down from High | -5.3 % |
| Volatility (CV) | 0.012 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 269 days.
- Low (-9 m)
- Lowest APY in the last 269 days.
- Draw-down from High
- How far today sits below the 9-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
- Affirm - 3.60% APY
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- American Express - 3.50% APY
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- Bank of America - 0.01% APY
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- Citibank - 3.30% APY
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- Colorado Federal Savings Bank - 4.05% APY
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- Jenius Bank - 4.05% APY
- LendingClub - 3.20-4.20% APY
- Live Oak Bank - 3.90% APY
- Marcus by Goldman Sachs - 3.65% APY
- MutualOne Bank - 4.07% APY
- My Banking Direct - 4.02% APY
- MySavingsDirect - 3.75% APY
- Newtek Bank - 4.35% APY
- Northeast Bank - 2.50-3.00% APY
- OMB Bank - 1.00% APY
- Openbank - 4.20% APY
- Peak Bank - 4.20% APY
- Pibank - 4.60% APY
- PNC - 3.53% APY
- Poppy Bank - 4.00% APY
- Popular Direct - 4.00% APY
- Presidential Bank - 3.50-4.00% APY
- Prime Alliance Bank - 3.90% APY
- Primis Bank - 3.85% APY
- Quontic Bank - 3.75% APY
- RBMAX - 3.90% APY
- Rising Bank - 3.95% APY
- ROGER - 3.87% APY
- Salem Five Direct - 3.71% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.01% APY
- SmartyPig - 3.90% APY
- SoFi Bank - 4.30% APY
- Synchrony Bank - 3.65% APY
- TAB Bank - 3.80% APY
- TD Bank - 0.05-2.75% APY
- The State Exchange Bank - 3.96% APY
- TIMBR - 4.40% APY
- UFB Direct - 3.51-3.71% APY
- Upgrade - 3.05% APY
- Valley Direct - 4.10% APY
- Varo Bank - 2.50-5.00% APY
- Vio Bank - 4.16% APY
- Wealthfront - 3.50-4.15% APY
- Wells Fargo - 0.05-0.05% APY
- Western Alliance Bank - 3.95% APY
- Zynlo Bank - 4.20% APY
| Feature | Neighbors Bank | Select a bank... |
|---|---|---|
| Product | Neighbors Savings Account | N/A |
| APY | 4.50% (as of 11/21/2025) | 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 4.50% APY. Anything above will earn 0.05% APY. | N/A |
Bank-to-Bank Comparisons
Compare Neighbors Bank's APY of 4.50% with other banks
Alternatives to Neighbors Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Zynlo Bank
Tomorrow Savings Account: 4.20% APY
Minimum Deposit: $10
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High-Yield Online Savings: 4.25% APY (Inactive)
Minimum Deposit: $100
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LevelUp Savings: 4.20% APY
Minimum Deposit: $0
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TIMBR
Premium Savings Account: 4.40% APY
Minimum Deposit: $1,000
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Axos Bank
Axos ONE: 4.51% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
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Summit Savings: 4.00% APY
Minimum Deposit: $0
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GO2bank
High Yield Savings: 4.50% APY
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Minimum Deposit: $0
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Peak Bank
Envision High Yield Savings: 4.20% APY
Minimum Deposit: $100
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Newtek Bank
Personal High Yield Savings: 4.35% APY
Minimum Deposit: $0.01
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Pibank
Pibank Savings: 4.60% APY
Minimum Deposit: $0
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Openbank
High-Yield Savings Account: 4.20% APY
Minimum Deposit: $500
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Fitness Bank
Fitness Elite Checking & Fitness Savings Combo: 4.75% APY
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Minimum Deposit: $100
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Fitness Savings Account: 4.45% APY
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Bread Savings
High-Yield Savings Account: 4.15% APY
Minimum Deposit: $100
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