Barclays vs Neighbors Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Barclays vs. Neighbors Bank
As of September 5, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to Neighbors Bank's 4.60% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank yields $70 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Neighbors Bank pays $460 - an APY advantage for Neighbors Bank.
In addition, Barclays also offers 3.70% APY for the Online Savings account.
Barclays
Strengths
- Barclays offers a Tiered Savings account with a competitive APY of 4.10% for balances over $250,000.
- Barclays has an excellent BBB rating of A+ and is BBB Accredited.
- Barclays has high App Store and Google Play ratings of 4.8 and 4.7 respectively.
Potential Drawbacks
- Barclays has no physical branches, which may limit in-person service options.
- Barclays requires a minimum balance of $250,000 to earn the highest APY.
Neighbors Bank
Strengths
- Neighbors Bank offers a high APY of 4.60% for balances up to $250,000.
- Neighbors Bank has a physical branch, providing in-person banking options.
Potential Drawbacks
- Neighbors Bank is not BBB Accredited despite having an A+ rating.
- Neighbors Bank has lower App Store ratings at 3.3 compared to Barclays.
Summary: Barclays offers a Tiered Savings account with a 4.10% APY for high balances and has strong ratings, but lacks branches. Neighbors Bank provides a higher APY of 4.60% with a physical location, but is not BBB Accredited and has lower App Store ratings. Customers may prefer Barclays for online services and ratings, while those valuing physical branches might lean towards Neighbors Bank.
Compare Barclays' vs Neighbors Bank's Savings Accounts
| Barclays | Neighbors Bank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Neighbors Savings Account |
| APY | 3.70% (as of 9/5/2025) | 3.90% - 4.10% (as of 9/5/2025) | 4.60% (as of 9/5/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | N/A | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | Enough to earn $0.01 in interest | $250,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | United States | United States | Not available in Delaware. | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 4.8/5 | 3.3/5 | ||
| Google Play Rating | 4.7/5 | 4.3/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 6 Months)
| Barclays | Neighbors Bank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Neighbors Savings Account |
| Latest APY | 3.70 % | 4.10 % | 4.60 % | |
| Trend | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -4.1 | -6.3 | -1.0 | |
| Rate Changes / Mo | 0.63 | 0.79 | 0.16 | |
| Days Since Last Change | 87 | 79 | 177 | |
| High (-6 m) | 3.90 % | 4.40 % | 4.75 % | |
| Low (-6 m) | 3.70 % | 4.10 % | 4.60 % | |
| Draw-down from High | -5.1 % | -6.8 % | -3.2 % | |
| Volatility (CV) | 0.022 | 0.029 | 0.009 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 191 days.
- Low (-6 m)
- Lowest APY in the last 191 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for Barclays vs Neighbors Bank
All calculations are based on APY.
Barclays
APY: 4.10%
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Effective APY: 3.90% (based on your deposit and contributions)
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewNeighbors Bank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $455.6 lower than Neighbors Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $0 |
| Barclays vs American Express | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs BrioDirect | 4.30% | $5,000 |
| Barclays vs Capital One | 3.50% | $0 |
| Barclays vs Chase Bank | 0.01% | $0 |
| Barclays vs Chime | 3.75% | $0 |
| Barclays vs CIT Bank | 4.00% | $100 |
| Barclays vs Discover Bank | 3.50% | $0 |
| Barclays vs Elevault | 4.60% | $0 |
| Barclays vs EverBank | 4.30% | $0 |
| Barclays vs Fitness Bank | 4.75% | $100 |
| Barclays vs FVCbank | 4.35% | $500 |
| Barclays vs GO2bank | 4.50% | $0 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs Newtek Bank | 4.35% | $0 |
| Barclays vs Peak Bank | 4.35% | $100 |
| Barclays vs Pibank | 4.60% | $0 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs Santander Bank | 0.03% | $25 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs TIMBR | 4.40% | $1,000 |
| Barclays vs UFB Direct | 4.21% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
| Barclays vs Zynlo Bank | 4.35% | $10 |