High-Yield Savings Account Comparison

Affirm vs. Neighbors Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Affirm

Affirm Money Account

3.60%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58410)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
A+(BBB Accredited)

Important Note

While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Neighbors Bank

Neighbors Savings Account

4.30%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Branch AccessOne location in Columbia, Missouri
Deposit InsuranceFDIC Insured(Cert: 16247)
EligibilityNot available in Delaware.
Mobile Ratings
iOS:3.3Android:4.4
BBB Rating
A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.

Rate Stability

7 days
↘︎ 0.20%
90 days
↘︎ 0.30%
Read Bank Overview

Affirm vs. Neighbors Bank Savings Calculator

Calculations based on current APY for Affirm Money Account and Neighbors Savings Account
$
$

Neighbors Bank earns $451.6 more than Affirm.

Affirm

Affirm Money Account

3.60% APY

Savings Breakdown

  • Interest Earned
    +$2,177.80(10.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,177.80

Effective APY
3.60%
View Details

Neighbors Bank

Neighbors Savings Account

4.30% APY

Savings Breakdown

  • Interest Earned
    +$2,629.40(12.7%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,629.40

Effective APY
4.30%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Affirm vs. Neighbors Bank

Updated: Dec 10, 2025

Why Affirm?

  • ✓Higher rated iOS app (4.9 vs 3.3)
  • ✓Higher rated Android app (4.8 vs 4.4)
  • ✓Available Nationwide

Why Neighbors Bank?

  • ✓Higher potential APY (4.30% vs 3.60%) on all balances
  • ✓Physical branch access (One location in Columbia, Missouri)

— Key Feature Differences —

Better Returns at $10,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $360/yr).

Better Returns at $25,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $900/yr).

Best for Simplicity
Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.30% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Affirm

Affirm offers an iOS app rated 4.9 (vs. 3.3) and Android app rated 4.8 (vs. 4.4)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $70 more interest on a $10,000 balance than Affirm's Affirm Money Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

AffirmNeighbors Bank
Automated Data Audit

Executive Summary

Neighbors Bank offers the Neighbors Savings Account with a competitive APY of 4.30%, making it the winner in this comparison. This account has no minimum deposit or balance requirements, and it is not available in Delaware. Affirm, while providing a solid alternative with its Affirm Money Account at an APY of 3.60%, does not match the higher yield of Neighbors Bank. Notably, Affirm is an online-only product and is FDIC-insured through partner Cross River Bank. Both banks have no maintenance fees and do not require direct deposit.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAffirmExploreNeighbors Bank

Top Market Contenders

See who beats both Affirm and Neighbors Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.30% vs Neighbors Bank
Better Rate
Pibank vs AffirmPibank vs Neighbors Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
Better Rate
Axos Bank vs AffirmAxos Bank vs Neighbors Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.10% vs Neighbors Bank
Better Rate
TIMBR vs AffirmTIMBR vs Neighbors Bank
FeatureAffirmNeighbors Bank
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.30%
Verified: 12/10/2025
↘︎ 0.30%90d Change
Product NameAffirm Money AccountNeighbors Savings Account
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS3.3
Android4.4
BBB RatingA+A+
Important NotesWhile Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis
MetricAffirmNeighbors Bank
Affirm Money AccountNeighbors Savings Account
Current APY
3.60%4.30%
Trend
 Stable Stable
Velocity (bps/mo)
-3.2-1.6
Days Since Change
750
9-Month High
3.85%4.75%
9-Month Low
3.60%4.30%
Adjustments / Mo
0.100.31
Volatility Score
0.0310.013
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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 288-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.

Compare Similar High-Yield Accounts

Compare Affirm vs...

Comparing against Standard Savings

vs Affirm
PibankNo Bundle Req
4.60%
APY
vs Affirm
TIMBRNo Bundle Req
4.40%
APY
vs Affirm
Newtek BankNo Bundle Req
4.35%
APY

Compare Neighbors Bank vs...

Comparing against Standard Savings

vs Neighbors Bank
PibankNo Bundle Req
4.60%
APY
vs Neighbors Bank
TIMBRNo Bundle Req
4.40%
APY
vs Neighbors Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Affirm's APY of 3.60% with other banks
Bank PairCompetitor APYMin Deposit
Affirm vs Ally Bank3.30%$0
Affirm vs American Express3.40%$0
Affirm vs Axos Bank4.31%$0
Affirm vs Bank of America0.01%$100
Affirm vs Barclays4.00%$0
Affirm vs Bask Bank3.90%$0
Affirm vs Betterment3.50%$10
Affirm vs BMO Alto3.25%$0
Affirm vs Bread Savings4.10%$100
Affirm vs BrioDirect4.00%$5,000
Affirm vs Capital One3.40%$0
Affirm vs Charles Schwab Bank0.15%$0
Affirm vs Chase Bank0.01%$0
Affirm vs Chime3.50%$0
Affirm vs CIT Bank3.75%$100
Affirm vs Citibank3.30%$0
Affirm vs Citizens Access™3.15%$0.01
Affirm vs Climate First Bank4.21%$50
Affirm vs Discover Bank3.40%$0
Affirm vs E*TRADE from Morgan Stanley3.75%$0
Affirm vs Elevault4.08%$0
Affirm vs EverBank4.05%$0
Affirm vs Fitness Bank4.75%$100
Affirm vs FNBO Direct3.00%$1
Affirm vs Forbright Bank4.00%$0
Affirm vs FVCbank3.85%$500
Affirm vs GO2bank4.50%$0
Affirm vs Ivy Bank4.25%$2,500
Affirm vs LendingClub4.20%$0
Affirm vs Marcus by Goldman Sachs3.65%$0
Affirm vs Newtek Bank4.35%$0.01
Affirm vs Openbank4.20%$500
Affirm vs Peak Bank4.20%$100
Affirm vs Pibank4.60%$0
Affirm vs PNC3.53%$0
Affirm vs Presidential Bank4.00%$5,000
Affirm vs Quontic Bank3.75%$100
Affirm vs Salem Five Direct3.71%$10
Affirm vs Sallie Mae Bank3.90%$0
Affirm vs Santander Bank0.01%$25
Affirm vs SoFi Bank4.30%$0
Affirm vs Synchrony Bank3.65%$0
Affirm vs TD Bank2.75%$0
Affirm vs TIMBR4.40%$1,000
Affirm vs UFB Direct3.71%$5000
Affirm vs Upgrade3.05%$0
Affirm vs Valley Direct4.10%$1,000
Affirm vs Varo Bank5.00%$0
Affirm vs Vio Bank4.16%$100
Affirm vs Wealthfront4.15%$0
Affirm vs Wells Fargo0.05%$25
Affirm vs Zynlo Bank4.05%$10
Compare Neighbors Bank's APY of 4.30% with other banks
Bank PairCompetitor APYMin Deposit
Neighbors Bank vs Ally Bank3.30%$0
Neighbors Bank vs American Express3.40%$0
Neighbors Bank vs Axos Bank4.31%$0
Neighbors Bank vs Bank of America0.01%$100
Neighbors Bank vs Barclays4.00%$0
Neighbors Bank vs Bask Bank3.90%$0
Neighbors Bank vs Betterment3.50%$10
Neighbors Bank vs BMO Alto3.25%$0
Neighbors Bank vs Bread Savings4.10%$100
Neighbors Bank vs BrioDirect4.00%$5,000
Neighbors Bank vs Capital One3.40%$0
Neighbors Bank vs Charles Schwab Bank0.15%$0
Neighbors Bank vs Chase Bank0.01%$0
Neighbors Bank vs Chime3.50%$0
Neighbors Bank vs CIT Bank3.75%$100
Neighbors Bank vs Citibank3.30%$0
Neighbors Bank vs Citizens Access™3.15%$0.01
Neighbors Bank vs Climate First Bank4.21%$50
Neighbors Bank vs Discover Bank3.40%$0
Neighbors Bank vs E*TRADE from Morgan Stanley3.75%$0
Neighbors Bank vs Elevault4.08%$0
Neighbors Bank vs EverBank4.05%$0
Neighbors Bank vs Fitness Bank4.75%$100
Neighbors Bank vs FNBO Direct3.00%$1
Neighbors Bank vs Forbright Bank4.00%$0
Neighbors Bank vs FVCbank3.85%$500
Neighbors Bank vs GO2bank4.50%$0
Neighbors Bank vs Ivy Bank4.25%$2,500
Neighbors Bank vs LendingClub4.20%$0
Neighbors Bank vs Marcus by Goldman Sachs3.65%$0
Neighbors Bank vs Newtek Bank4.35%$0.01
Neighbors Bank vs Openbank4.20%$500
Neighbors Bank vs Peak Bank4.20%$100
Neighbors Bank vs Pibank4.60%$0
Neighbors Bank vs PNC3.53%$0
Neighbors Bank vs Presidential Bank4.00%$5,000
Neighbors Bank vs Quontic Bank3.75%$100
Neighbors Bank vs Salem Five Direct3.71%$10
Neighbors Bank vs Sallie Mae Bank3.90%$0
Neighbors Bank vs Santander Bank0.01%$25
Neighbors Bank vs SoFi Bank4.30%$0
Neighbors Bank vs Synchrony Bank3.65%$0
Neighbors Bank vs TD Bank2.75%$0
Neighbors Bank vs TIMBR4.40%$1,000
Neighbors Bank vs UFB Direct3.71%$5000
Neighbors Bank vs Upgrade3.05%$0
Neighbors Bank vs Valley Direct4.10%$1,000
Neighbors Bank vs Varo Bank5.00%$0
Neighbors Bank vs Vio Bank4.16%$100
Neighbors Bank vs Wealthfront4.15%$0
Neighbors Bank vs Wells Fargo0.05%$25
Neighbors Bank vs Zynlo Bank4.05%$10