High-Yield Savings Account Comparison

Ally Bank vs. Neighbors Bank

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

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Ally Bank

Savings Account

3.30%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57803)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.20%

Since 90 days ago

Read Bank Overview

Neighbors Bank

Neighbors Savings Account

4.50%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	One location in Columbia, Missouri
Deposit Insurance	FDIC Insured(Cert: 16247)
Eligibility	Not available in Delaware.
Mobile Ratings	iOS:3.3 Android:4.4
BBB Rating	A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.

Rate Stability

Rate Adjusted

-0.10%

Since 90 days ago

Read Bank Overview

Comparison Analysis

Comparing Ally Bank vs. Neighbors Bank

Updated: Dec 6, 2025

Why Ally Bank?

✓Higher rated iOS app (4.7 vs 3.3)
✓Available Nationwide

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 3.30%) 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. $450 vs $330/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $825/yr).

Best for Simplicity

Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience

Ally Bank

Ally Bank offers an iOS app rated 4.7 (vs. 3.3) and Android app rated 4.4 (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

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $120 more interest on a $10,000 balance than Ally Bank's Savings Account.

Ally BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with a notable APY of 4.50%, significantly higher than Ally Bank's 3.30% APY for its Savings Account. While both accounts have no minimum deposit or maintenance fees, Neighbors Bank's product also allows for balances up to $250,000 to earn the higher rate, making it an attractive option for savers. Additionally, Neighbors Bank does not require direct deposit, enhancing its accessibility, although it is not available in Delaware. In contrast, Ally Bank is recognized for its superior mobile app experience, but its lower yield positions it as a secondary option.

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.

ExploreAlly Bank ExploreNeighbors Bank

Top Market Contenders

See who beats both Ally Bank and Neighbors Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.10% vs Neighbors Bank

Better Rate

Pibank vs Ally Bank Pibank vs Neighbors Bank

Feature	Ally Bank	Neighbors Bank
APY	3.30% Verified: 12/6/2025 ↘︎ 0.20%90d Change	4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change
Product Name	Savings Account	Neighbors Savings Account
Minimum Deposit	$0	$0
Min. Balance for APY	$0	$0
Monthly Fee	$0	$0
Branch Access	None	Yes
Account Type	Online Only	Online & Branches
Direct Deposit Req.	None	None
Checking Bundle	No	No
Mobile Apps	iOS4.7 Android4.4	iOS3.3 Android4.4
BBB Rating	A+	A+
Important Notes	-	Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $773 more than Ally Bank.

Ally Bank

Savings Account

3.30% APY

Savings Breakdown

Interest Earned
+$1,987.10(9.9%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$19,987.10

Effective APY

3.30%

View Details

Neighbors Bank

Neighbors Savings Account

4.50% APY

Savings Breakdown

Interest Earned
+$2,760.10(13.3%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,760.10

Effective APY

4.50%

View Details

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

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis

Metric	Ally Bank	Neighbors Bank
	Savings Account	Neighbors Savings Account
Current APYMost recent advertised annual-percentage yield.	3.30%	4.50%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-4.1	-1.5
Days Since ChangeRecency of the latest APY adjustment.	36	53
9-Month HighHighest APY in the last 283 days.	3.70%	4.75%
9-Month LowLowest APY in the last 283 days.	3.30%	4.50%
Adjustments / MoTypical number of APY moves per month.	0.42	0.21
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.035	0.012

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 283-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.

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More Comparisons

Compare Ally Bank's APY of 3.30% with other banks

Bank Pair	Competitor APY	Min Deposit
Ally Bank vs American Express	3.40%	$0
Ally Bank vs Axos Bank	4.31%	$0
Ally Bank vs Bank of America	0.01%	$100
Ally Bank vs Barclays	4.00%	$0
Ally Bank vs Bask Bank	3.90%	$0
Ally Bank vs BMO Alto	3.25%	$0
Ally Bank vs BrioDirect	4.00%	$5,000
Ally Bank vs Capital One	3.40%	$0
Ally Bank vs Chase Bank	0.01%	$0
Ally Bank vs Chime	3.50%	$0
Ally Bank vs CIT Bank	3.75%	$100
Ally Bank vs Citibank	3.30%	$0
Ally Bank vs Citizens Access™	3.35%	$0.01
Ally Bank vs Climate First Bank	4.21%	$50
Ally Bank vs Discover Bank	3.40%	$0
Ally Bank vs Elevault	4.08%	$0
Ally Bank vs EverBank	4.05%	$0
Ally Bank vs Fitness Bank	4.75%	$100
Ally Bank vs FNBO Direct	3.00%	$1
Ally Bank vs Forbright Bank	4.00%	$0
Ally Bank vs FVCbank	3.85%	$500
Ally Bank vs GO2bank	4.50%	$0
Ally Bank vs Ivy Bank	4.25%	$2,500
Ally Bank vs LendingClub	4.20%	$0
Ally Bank vs Marcus by Goldman Sachs	3.65%	$0
Ally Bank vs Newtek Bank	4.35%	$0.01
Ally Bank vs Openbank	4.20%	$500
Ally Bank vs Peak Bank	4.20%	$100
Ally Bank vs Pibank	4.60%	$0
Ally Bank vs PNC	3.53%	$0
Ally Bank vs Presidential Bank	4.00%	$5,000
Ally Bank vs Quontic Bank	3.75%	$100
Ally Bank vs Salem Five Direct	3.71%	$10
Ally Bank vs Santander Bank	0.01%	$25
Ally Bank vs SoFi Bank	4.30%	$0
Ally Bank vs Synchrony Bank	3.65%	$0
Ally Bank vs TIMBR	4.40%	$1,000
Ally Bank vs UFB Direct	3.71%	$5000
Ally Bank vs Valley Direct	4.10%	$1,000
Ally Bank vs Varo Bank	5.00%	$0
Ally Bank vs Vio Bank	4.16%	$100
Ally Bank vs Wealthfront	4.15%	$0
Ally Bank vs Wells Fargo	0.05%	$25
Ally Bank vs Zynlo Bank	4.05%	$10

Compare Neighbors Bank's APY of 4.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs American Express	3.40%	$0
Neighbors Bank vs Axos Bank	4.31%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.00%	$0
Neighbors Bank vs Bask Bank	3.90%	$0
Neighbors Bank vs BMO Alto	3.25%	$0
Neighbors Bank vs BrioDirect	4.00%	$5,000
Neighbors Bank vs Capital One	3.40%	$0
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.75%	$100
Neighbors Bank vs Citibank	3.30%	$0
Neighbors Bank vs Citizens Access™	3.35%	$0.01
Neighbors Bank vs Climate First Bank	4.21%	$50
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.08%	$0
Neighbors Bank vs EverBank	4.05%	$0
Neighbors Bank vs Fitness Bank	4.75%	$100
Neighbors Bank vs FNBO Direct	3.00%	$1
Neighbors Bank vs Forbright Bank	4.00%	$0
Neighbors Bank vs FVCbank	3.85%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Ivy Bank	4.25%	$2,500
Neighbors Bank vs LendingClub	4.20%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0.01
Neighbors Bank vs Openbank	4.20%	$500
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs PNC	3.53%	$0
Neighbors Bank vs Presidential Bank	4.00%	$5,000
Neighbors Bank vs Quontic Bank	3.75%	$100
Neighbors Bank vs Salem Five Direct	3.71%	$10
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.30%	$0
Neighbors Bank vs Synchrony Bank	3.65%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.71%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Vio Bank	4.16%	$100
Neighbors Bank vs Wealthfront	4.15%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.05%	$10