Axos Bank vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | Neighbors BankNeighbors Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 4.20% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | 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 4.20% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Axos Bank vs. Neighbors Bank
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to Neighbors Bank's 4.20% APY for its Neighbors Savings Account, with a minimum balance of $0.
Axos Bank pays $11 more than Neighbors Bank on a $10,000 balance after one year. Axos Bank pays $431, while Neighbors Bank pays $420 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 4.20%) on all balances
- ✓Higher rated iOS app (4.7 vs 3.3)
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Physical branch access (One location in Columbia, Missouri)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $420/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $1050/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 3.3) and Android app rated 4.5 (vs. 4.4)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $11 more interest on a $10,000 balance than Neighbors Bank's Neighbors Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Axos Bank offers a competitive savings option with its Axos ONE account, providing a high APY of 4.31% when bundled with a checking account, which earns 0.51% APY. This account requires either a direct deposit of $1,500 or total monthly qualifying deposits of at least $5,000 to maximize earnings. In contrast, Neighbors Bank's Neighbors Savings Account offers a slightly lower APY of 4.20%, with balances up to $250,000 earning this rate, but anything above that drops to 0.05%. While Neighbors Bank does not have a direct deposit requirement, it is not available in Delaware. Overall, Axos ONE stands out for its higher APY and bundling option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Axos Bank vs. Neighbors Bank Savings Calculator
You earn $11 more with Axos Bank than Neighbors Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Neighbors Bank |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.20% Verified: 1/21/2026 ↘︎ 0.30%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. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS3.3 Android4.4 |
| Zelle® Support | Not Supported | Not Supported |
| 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 4.20% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Neighbors Bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Neighbors Savings Account | |
Current APY | 3.75% | 4.31% | 0.61% | 4.20% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.5 | -0.0 | -3.0 |
Days Since Change | 41 | 50 | 329 | 6 |
11-Month High | 4.00% | 4.86% | 0.61% | 4.75% |
11-Month Low | 3.75% | 4.31% | 0.61% | 4.20% |
Adjustments / Mo | 0.09 | 0.36 | 0.00 | 0.36 |
Volatility Score | 0.027 | 0.036 | 0.000 | 0.027 |
How to read these metrics(Click to expand)
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