High-Yield Savings Account Comparison

Axos 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

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Axos Bank

Axos ONE

4.31%

APY

Dec 6, 2025

FDIC InsuredChecking BundleNo 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, but is the easiest way to earn the highest APY.
Deposit Insurance	FDIC Insured(Cert: 35546)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.6
BBB Rating	A+(BBB Accredited)

Important Note

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

Rate Stability

7 days

↘︎ 0.20%

90 days

↘︎ 0.15%

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 Axos Bank vs. Neighbors Bank

Updated: Dec 6, 2025

Why Axos Bank?

✓Earn 0.51% APY on checking account
✓Access to 95,000 fee-free ATMs
✓Higher rated iOS app (4.7 vs 3.3)
✓Offers 2 different high-yield savings options
✓Available Nationwide

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 4.00%-4.31%) 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 $431/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $1077/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

Axos Bank

Axos Bank offers an iOS app rated 4.7 (vs. 3.3) and Android app rated 4.6 (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 $19 more interest on a $10,000 balance than Axos Bank's Axos ONE.

Axos BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with a 4.50% APY, which is slightly higher than Axos Bank's Axos ONE savings account at 4.31%. The Neighbors Savings Account is straightforward, requiring no direct deposit or bundling, making it an appealing choice for those seeking simplicity. In contrast, Axos ONE requires either a direct deposit or a higher average balance to qualify for its top APY, while also offering a checking account with a lower 0.51% APY. Both banks provide online-only access and have no maintenance fees, but eligibility for Neighbors Bank is restricted as it is not available in Delaware.

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.

ExploreAxos Bank ExploreNeighbors Bank

Top Market Contenders

See who beats both Axos 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 Axos Bank Pibank vs Neighbors Bank

Feature	Axos Bank	Neighbors Bank
APY	4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change	4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change
Product Name	Axos ONE	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	Yes	No
Mobile Apps	iOS4.7 Android4.6	iOS3.3 Android4.4
BBB Rating	A+	A+
Important Notes	The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.	Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.
Next Steps	SponsoredOpen Account	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $124.2 more than Axos Bank.

Axos Bank

Axos ONE

4.31% APY

Savings Breakdown

Interest Earned
+$2,635.90(12.8%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,635.90

Effective APY

4.31%

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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	Axos Bank			Neighbors Bank
	High Yield Savings	Summit Savings	Axos ONE	Neighbors Savings Account
Current APYMost recent advertised annual-percentage yield.	0.61%	4.00%	4.31%	4.50%
TrendDirection over the last 9 months (regression slope).	Stable	Stable	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-0.0	0.0	-4.0	-1.5
Days Since ChangeRecency of the latest APY adjustment.	283	159	4	53
9-Month HighHighest APY in the last 283 days.	0.61%	4.00%	4.86%	4.75%
9-Month LowLowest APY in the last 283 days.	0.61%	4.00%	4.31%	4.50%
Adjustments / MoTypical number of APY moves per month.	0.00	0.00	0.42	0.21
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	0.000	0.029	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 Axos Bank's APY of 4.31% with other banks

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